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Credit card · American Express · Miles

American Express Explorer Credit Card

by BDO Unibank, Inc.

American Express networkMiles card

Quick take

Main benefit

Travel miles. Your spending earns miles you can put toward flights.

Main catch

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

Income needed

₱66,000/mo The bank does the final check.

Annual fee

₱4,000/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 travel often and want your spending to earn miles.
  • 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 straight cashback than points or miles.
  • You expect to carry a balance from month to month.
  • You earn below ₱66,000 a month.

The numbers

Earn ratemile per Php 40 spend
Annual fee₱4,000/yr
Interest if unpaid3.00% / month
Late payment fee₱850
Foreign currency markup1.85%
›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 waiverAutomatic annual membership fee waiver when annual spend is at least PHP 450,000.

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 (₱4,000) 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