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Credit card · American Express · Cashback

American Express Cashback Credit Card

by BDO Unibank, Inc.

American Express networkCashback card

Quick take

Main benefit

Cash back. You earn money back on what you spend — no points to convert.

Main catch

American Express isn't accepted everywhere in the Philippines — keep a Visa or Mastercard as a backup.

Income needed

₱33,000/mo The bank does the final check.

Annual fee

₱3,000/yr Waived for the first year.

Apply on BDOCompare

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

Is this card for you?

Good fit if
  • You want simple rewards without tracking categories.
  • You pay your balance in full each month to avoid interest.
Look elsewhere if
  • You often pay at merchants or checkout pages that only accept Visa or Mastercard.
  • You'd rather earn travel points or airline miles.
  • You expect to carry a balance from month to month.
  • You want the highest rewards rate on the market.

The numbers

Earn ratepercent cashback on local spend
Annual fee₱3,000/yr
Interest if unpaid3.00% / month
Late payment fee₱850
Foreign currency markup2.50%
›More fees and details
Cash advance fee5.00% or ₱500
Over-limit feeStill being checked with the bank
Effective annual interestStill being checked with the bank
Fee waiverFirst-year waived; automatic monthly fee waiver when monthly spend is at least PHP 15,000

The catch

  • American Express isn't accepted everywhere in the Philippines — keep a Visa or Mastercard as a backup.
  • The yearly fee returns after the first year (₱3,000) unless the bank waives it.
  • Interest is steep if you don't pay in full — about 3.00% a month.

Ready to decide?

Apply on BDOCompare similar cards

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

You'll finish on BDO's official site. Truva doesn't collect your application or see your details.
›What you'll need before you start
  • One valid government ID— passport, driver's license, UMID, or PhilSys.
  • Proof of income — a recent payslip, your latest ITR, or a COE with salary.
  • Proof of billing address — a utility bill or a bank statement.
  • 10–15 minutes to fill out BDO's application form.
From BDO's official page · Checked May 27, 2026

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

Apply on BDOCompare