Side-by-side · honest numbers
RCBC Flex Gold Visa vs UnionBank U Visa Platinum
Honest side-by-side comparison of RCBC Flex Gold Visa, UnionBank U 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 U Visa Platinum
UnionBank
Your adjusted comparison
| Feature | RCBC Flex Gold Visa RCBC | UnionBank U Visa Platinum UnionBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱3,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₱25,000/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱2,550/yr | -₱635/yr |
| Groceries (offline) | ₱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 | — |
| Top reward rate | 2× Rewards Points | No cashback earn |
| Primary reward cap | ₱800 rewards/mo cap | No monthly cap published |
| Key exclusions | Not stated | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
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Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/ph/en/compare/rcbc-flex-visa-vs-unionbank-u-visaReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, RCBC Flex Gold Visa leads UnionBank U Visa Platinum by about ₱3,185/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 | RCBC Flex Gold Visa RCBC | UnionBank U Visa Platinum UnionBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱3,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₱25,000/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱2,550/yr | -₱635/yr |
| Groceries (offline) | ₱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 | — |
| Top reward rate | 2× Rewards Points | No cashback earn |
| Primary reward cap | ₱800 rewards/mo cap | No monthly cap published |
| Key exclusions | Not stated | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- UnionBank U Visa Platinum has a ₱0 annual fee (lifetime free or zero-fee tier).
- 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 U 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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