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.

Side-by-side · honest numbers

BPI Amore Cashback vs RCBC Flex Gold Visa vs UnionBank Cash Back Visa Platinum

Honest side-by-side comparison of BPI Amore Cashback, RCBC Flex Gold Visa, UnionBank Cash Back Visa Platinum — 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

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

BPI Amore Cashback

BPI

Card 2

RCBC Flex Gold Visa

RCBC

Card 3

UnionBank Cash Back Visa Platinum

UnionBank

Your adjusted comparison

Feature	BPI Amore Cashback BPI	RCBC Flex Gold Visa RCBC	UnionBank Cash Back Visa Platinum UnionBank
Fees & eligibility
Annual fee	₱2,050	₱3,000	₱4,500
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	₱15,000/mo	₱25,000/mo	₱15,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₱2,579/yr	₱2,550/yr	₱2,029/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	₱8,000 × 6% = ₱480/mo (₱5,760/yr) · issuer max ₱1,250/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	—	₱3,500 × 2% = ₱70/mo (₱840/yr) · issuer max ₱500/mo
Top reward rate	4% cashback	2× Rewards Points	Up to 6% cashback
Primary reward cap	₱1,250 rewards/mo cap	₱800 rewards/mo cap	₱1,250 rewards/mo cap
Perks & restrictions
Lounge access	Ayala Malls lounge access	None	None
Key exclusions	Dining · Fuel	Not stated	Not stated
Bonuses
Signup bonus	—	—	—

BPI Amore Cashback details →RCBC Flex Gold Visa details →UnionBank Cash Back Visa Platinum details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, BPI Amore Cashback ranks first for estimated net annual value — ahead of RCBC Flex Gold Visa by about ₱29/yr.

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 vs UnionBank Cash Back Visa Platinum comparison table
Feature	BPI Amore Cashback BPI	RCBC Flex Gold Visa RCBC	UnionBank Cash Back Visa Platinum UnionBank
Fees & eligibility
Annual fee	₱2,050	₱3,000	₱4,500
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	₱15,000/mo	₱25,000/mo	₱15,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₱2,579/yr	₱2,550/yr	₱2,029/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	₱8,000 × 6% = ₱480/mo (₱5,760/yr) · issuer max ₱1,250/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	—	₱3,500 × 2% = ₱70/mo (₱840/yr) · issuer max ₱500/mo
Top reward rate	4% cashback	2× Rewards Points	Up to 6% cashback
Primary reward cap	₱1,250 rewards/mo cap	₱800 rewards/mo cap	₱1,250 rewards/mo cap
Perks & restrictions
Lounge access	Ayala Malls lounge access	None	None
Key exclusions	Dining · Fuel	Not stated	Not 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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More BPI Amore Cashback comparisons