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.

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

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

RCBC Flex Gold Visa

RCBC

Card 2

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	₱0/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	None
Primary reward cap	₱800 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	None	None
Key exclusions	Not stated	Not a rewards earner — no points or category cashback
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~₱2,775/yr combined NAV (₱225 vs best solo). Both annual fees apply.

RCBC Flex Gold Visa details →UnionBank U 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 U Visa Platinum by about ₱2,550/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 U Visa Platinum comparison table
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	₱0/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	None
Primary reward cap	₱800 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	None	None
Key exclusions	Not stated	Not a rewards earner — no points or category cashback
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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More RCBC Flex Gold Visa comparisons