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RCBC Flex Gold Visa vs UnionBank Cash Back Visa Platinum

Honest side-by-side comparison of 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

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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.

RCBC Flex Gold Visa

RCBC

UnionBank Cash Back Visa Platinum

UnionBank

Your adjusted comparison

Feature
RCBC Flex Gold Visa credit card

RCBC Flex Gold Visa

RCBC

UnionBank Cash Back Visa Platinum credit card

UnionBank Cash Back Visa Platinum

UnionBank

Fees & eligibility
Annual fee₱3,000₱4,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₱25,000/mo₱15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₱2,550/yr₱2,029/yr
Groceries (offline)₱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 × 2% = ₱70/mo (₱840/yr) · issuer max ₱500/mo
Top reward rate2× Rewards PointsUp to 6% cashback
Primary reward cap₱800 rewards/mo cap₱1,250 rewards/mo cap
Key exclusionsNot statedNot stated
Bonuses
Signup bonus——

Stack mode (hold both)

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

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, RCBC Flex Gold Visa leads UnionBank Cash Back Visa Platinum by about ₱521/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

RCBC Flex Gold Visa vs UnionBank Cash Back Visa Platinum comparison table
FeatureRCBC Flex Gold Visa

RCBC

UnionBank Cash Back Visa Platinum

UnionBank

Fees & eligibility
Annual fee₱3,000₱4,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₱25,000/mo₱15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₱2,550/yr₱2,029/yr
Groceries (offline)₱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 × 2% = ₱70/mo (₱840/yr) · issuer max ₱500/mo
Top reward rate2× Rewards PointsUp to 6% cashback
Primary reward cap₱800 rewards/mo cap₱1,250 rewards/mo cap
Key exclusionsNot statedNot stated
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
RCBC Flex Gold Visa has the lowest annual fee at ₱3,000.
Which card earns more on moderate spend?
RCBC Flex Gold Visa leads with an estimated ₱2,550/yr net annual value on moderate spend.
Which card has the lower income requirement?
UnionBank Cash Back Visa Platinum 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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