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Rewards VisavsAmore Cashback Card

Side-by-side comparison to help you choose the right fit.

Rewards Visa

UnionBank

"One of the easiest value-adds in Philippine credit cards — the NAFFL promo removes the biggest psychological barrier to holding a card, and the 3X points on dining and shopping is genuinely useful."

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Amore Cashback Card

BPI

"A solid cashback card for frequent Ayala shoppers. The 4% grocery cashback is among the best in its class, and the first-year fee waiver makes it easy to try risk-free."

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Best For

Everyday shoppers and diners who want flexible rewards

Everyday grocery and Ayala Malls shoppers

Annual Fee

₱2,500

No annual fee for life with NAFFL promo

₱3,000

Waived for the first year

Interest Rate

3% per month

3% per month

Min. Income

₱15,000 / month

₱15,000 / month

Welcome Promo

No Annual Fee for Life (NAFFL) Promo

₱5,000 Annual Fee Waiver

Pros

  • No annual fee for life under NAFFL promo
  • 3X points on shopping and dining
  • Points redeemable for cash credits, miles, or merchandise
  • Available on the Visa network for wide acceptance
  • 4% cashback on grocery purchases
  • Ayala Malls lounge access
  • First-year annual fee waived
  • Wide BPI branch and ATM network

Cons

  • Points redemption catalog can be complex to navigate
  • 3% monthly interest rate if you carry a balance
  • Limited travel-specific perks compared to premium cards
  • ₱3,000 annual fee kicks in after year one
  • Cashback limited to select spending categories
  • 3% monthly interest rate if you carry a balance

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