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BPI Amore Cashback vs RCBC Flex Gold Visa

Honest side-by-side comparison of BPI Amore Cashback, RCBC Flex Gold Visa — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

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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.

BPI Amore Cashback

BPI

RCBC Flex Gold Visa

RCBC

Your adjusted comparison

Feature
BPI Amore Cashback credit card

BPI Amore Cashback

BPI

RCBC Flex Gold Visa credit card

RCBC Flex Gold Visa

RCBC

Fees & eligibility
Annual fee₱2,050₱3,000
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₱15,000/mo₱25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₱2,579/yr₱2,550/yr
Groceries (offline)₱8,000 × 4% = ₱320/mo (₱3,840/yr) · issuer max ₱1,250/mo₱8,000 × 2% = ₱160/mo (₱1,920/yr) · issuer max ₱800/mo
Fuel—₱4,000 × 2% = ₱80/mo (₱960/yr) · issuer max ₱800/mo
Travel—₱3,000 × 2% = ₱60/mo (₱720/yr) · issuer max ₱800/mo
Utilities & bills₱3,500 × 1% = ₱35/mo (₱420/yr) · issuer max ₱1,250/mo—
Top reward rate4% cashback2× Rewards Points
Primary reward cap₱1,250 rewards/mo cap₱800 rewards/mo cap
Perks & restrictions
Lounge accessAyala Malls lounge accessNone
Key exclusionsDining · FuelNot stated
Bonuses
Signup bonus——

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

BPI Amore Cashback details →RCBC Flex Gold Visa details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, BPI Amore Cashback leads RCBC Flex Gold Visa by about ₱29/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

BPI Amore Cashback vs RCBC Flex Gold Visa comparison table
FeatureBPI Amore Cashback

BPI

RCBC Flex Gold Visa

RCBC

Fees & eligibility
Annual fee₱2,050₱3,000
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₱15,000/mo₱25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₱2,579/yr₱2,550/yr
Groceries (offline)₱8,000 × 4% = ₱320/mo (₱3,840/yr) · issuer max ₱1,250/mo₱8,000 × 2% = ₱160/mo (₱1,920/yr) · issuer max ₱800/mo
Fuel—₱4,000 × 2% = ₱80/mo (₱960/yr) · issuer max ₱800/mo
Travel—₱3,000 × 2% = ₱60/mo (₱720/yr) · issuer max ₱800/mo
Utilities & bills₱3,500 × 1% = ₱35/mo (₱420/yr) · issuer max ₱1,250/mo—
Top reward rate4% cashback2× Rewards Points
Primary reward cap₱1,250 rewards/mo cap₱800 rewards/mo cap
Perks & restrictions
Lounge accessAyala Malls lounge accessNone
Key exclusionsDining · FuelNot stated
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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