Credit Card Comparator

The right card depends on what you're optimizing for. If you spend mostly on groceries and dining, pick a cashback card (Security Bank Complete Cashback, Citi Cash Back). If you fly often, pick a miles card (HSBC Red, BPI Rewards, BDO Visa Platinum). If you're starting out or have a lower income, pick a no-annual-fee entry card (BPI Edge, Metrobank M Free, EastWest Visa Classic). The filter above narrows the list by your intent and income.

Entry cards start at ₱10,000–₱15,000/month (EastWest Visa Classic at ₱10K, BPI Edge at ₱15K). Mid-tier cashback and miles cards typically require ₱15,000–₱25,000/month. Premium and platinum cards usually want ₱50,000–₱100,000/month. Banks verify income with payslips, ITRs, or bank statements during application.

Not necessarily. A card with a ₱2,500 annual fee that gives you 5% cashback on ₱20,000/month of groceries pays for itself in about 2.5 months (₱12,000/year in cashback vs ₱2,500 fee). The waiver is worth chasing if your spending is light, but ignore the annual fee headline number and run the math on your own categories.

Cashback is simpler: 1–6% back as a credit on your bill, no expiration, no blackout dates. Miles are more lucrative if you can redeem them well — a 60K-mile business-class redemption to Tokyo can be worth ₱100K+ in cash value — but they expire, devalue, and require booking knowledge. For most people earning under ₱50K/mo, cashback wins on simplicity.

Yes — every Apply button is labeled 'Partner / issuer link' below it. v1 of the comparator routes to issuer-direct application pages with no affiliate attribution. As partner relationships land (MoneyMax, MoneyHero, Moneyguru, and direct issuer programs), individual cards will swap to partner-attributed URLs and the disclosure label will update. arcitools doesn't sell credit cards; partner referrals help keep the calculators free.

Cards are reviewed quarterly. The 'Card data last reviewed' date below the list shows the most recent pass. Rates, fees, and minimum incomes change — always confirm the current terms on the issuer's page before applying.