Find a credit card that fits your lifestyle
Answer a few simple questions. Truva will show cards that may fit your income, spending, and goals — with fees and catches explained before you apply.
How Truva helps
Plain-English comparisons
No jargon. We explain rewards, fees, and interest in normal words.
Catches shown up front
Yearly fees, conditions, and watch-outs before you tap Apply.
No pressure to apply
Truva is free. We may earn a fee from banks, but it doesn’t change our picks.
This is not a credit-card application. Your answers won’t affect your credit score.
Showing American Express Cashback Credit Card from BDO Unibank, Inc..
Do not let the fine print surprise you
Credit card fees can be confusing. We break down the most common ones so you know exactly what you are signing up for.
Annual Fee
The cost of owning the card for a year. Many cards offer NAFFL (No Annual Fee For Life) as a promo or for certain tiers.
Interest Rate
The monthly charge on unpaid balances. In the Philippines, this is usually capped at 3% per month by the BSP.
Foreign Transaction Fee
The fee charged when you use your card abroad or for online purchases in foreign currency.
Late Payment Fee
Charged if you miss the payment due date. Usually a fixed amount (e.g., ₱1,000) or a percentage of the overdue amount.
Fee Facts
Based on standard PH bank terms
* Values shown are illustrative averages. Always check the Specific Terms and Conditions of your chosen bank.
Our Methodology
How we score credit cards
Truva Value Scores are built on data, not bank partnerships. We use four key pillars to rank every card fairly.
Fee Economics
We weigh the annual fee against the ease of waiver and the basic value of the card.
Reward Value
How much actual PHP value you get per peso spent, normalized across categories.
Eligibility Fit
Matches income requirements with the target user to ensure a realistic comparison.
Issuer Trust
Based on bank reputation, app stability, and customer service feedback.
Level up your financial lifestyle
Our expert-written guides help you master your money and get the most out of your cards.
Credit Card 101: How it works
New to credit? Start here to understand statements, due dates, and billing cycles.
How to get your first credit card
Practical tips on getting approved by Philippine banks, even with no credit history.
Maximizing your credit card rewards
Learn how to turn your daily spending into free flights, cashback, and shopping points.
Partner Disclosure
Truva is free for everyone. We may earn a referral fee from some of the banks listed on this page when you apply through our links. This does not change the data we show or how we score products. Our mission is to provide accurate, plain-English comparison data for Filipinos.
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