Credit card ledger
| Who it's for | Key number to check | Compare |
|---|---|---|
| First card or building credit Approval needs and annual fee | Approval needs and annual fee | Compare |
| Pulse pick Everyday cashback Flat rate vs rotating categories | Flat rate vs rotating categories | Compare |
| Carrying a balance 0% intro APR length and transfer fee | 0% intro APR length and transfer fee | Compare |
| Travel and miles Foreign transaction fee and bonus spend | Foreign transaction fee and bonus spend | Compare |
| Students No annual fee and credit-building tools | No annual fee and credit-building tools | Compare |
Visa · cashback
Best for: Best for individuals who frequently dine out and shop at department stores, looking to maximize their cashback rewards.
This card is great for foodies and grocery shoppers who want to earn cashback on their everyday purchases.
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Mastercard
Best for: Best for individuals seeking a straightforward credit card to earn rewards on everyday purchases without annual fees.
The Metrobank M Free Mastercard is an economical choice for casual spenders looking to earn rewards without annual fees.
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Visa · cashback
Best for: Families with a monthly supermarket spend of at least PHP 30,000 looking to earn cashback without annual fees.
The BPI Amore Cashback Card is excellent for families who frequently shop at supermarkets, thanks to its cashback rewards. However, the high APR of 36% may deter those who carry a balance.
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Visa · travel
Best for: Best for consumers who frequently shop and want to maximize rewards without worrying about annual fees.
The UnionBank Rewards Credit Card is ideal for those looking to earn points on everyday purchases without an annual fee.
View cardVisa · cashback
Best for: Food enthusiasts and frequent diners looking for cashback rewards on their dining expenses.
With no annual fee in the first year and high cashback rates on dining, this card is great for food lovers. However, the lower cashback on other purchases might not appeal to those with diverse spending habits.
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Visa · travel
Best for: Best for frequent travelers and high spenders looking for rewards and travel perks.
This card is a solid pick for frequent travelers and those who appreciate rewards on their spending.
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