Side-by-side · honest numbers
BDO American Express Cashback vs BPI Amore Cashback
Honest side-by-side comparison of BDO American Express Cashback, BPI Amore Cashback — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
BDO American Express Cashback
BDO
BPI Amore Cashback
BPI
Your adjusted comparison
| Feature | BDO American Express Cashback BDO | BPI Amore Cashback BPI |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱3,000 | ₱2,050 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₱35,000/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱930/yr | ₱2,579/yr |
| Groceries (offline) | — | ₱8,000 × 4% = ₱320/mo (₱3,840/yr) · issuer max ₱1,250/mo |
| Utilities & bills | — | ₱3,500 × 1% = ₱35/mo (₱420/yr) · issuer max ₱1,250/mo |
| Top reward rate | 2% cashback | 4% cashback |
| Primary reward cap | No monthly cap published | ₱1,250 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | None | Ayala Malls lounge access |
| Key exclusions | Not stated | Dining · Fuel |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/ph/en/compare/bdo-cashback-amex-vs-bpi-amore-cashbackReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, BPI Amore Cashback leads BDO American Express Cashback by about ₱1,649/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₱35,000/mo
₱35,000/month total spend — typical Philippines user
Groceries ₱8,000 · Online ₱7,000 · Dining ₱5,000 · Fuel ₱4,000 · Bills ₱3,500
| Feature | BDO American Express Cashback BDO | BPI Amore Cashback BPI |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱3,000 | ₱2,050 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₱35,000/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱930/yr | ₱2,579/yr |
| Groceries (offline) | — | ₱8,000 × 4% = ₱320/mo (₱3,840/yr) · issuer max ₱1,250/mo |
| Utilities & bills | — | ₱3,500 × 1% = ₱35/mo (₱420/yr) · issuer max ₱1,250/mo |
| Top reward rate | 2% cashback | 4% cashback |
| Primary reward cap | No monthly cap published | ₱1,250 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | None | Ayala Malls lounge access |
| Key exclusions | Not stated | Dining · Fuel |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- BPI Amore Cashback has the lowest annual fee at ₱2,050.
- Which card earns more on moderate spend?
- BPI Amore Cashback leads with an estimated ₱2,579/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- BPI Amore Cashback lists a minimum monthly income of ₱15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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