•  10 Best Credit Cards in the Philippines 2021 (BDO, Citibank, RCBC, and More) 1
  •  10 Best Credit Cards in the Philippines 2021 (BDO, Citibank, RCBC, and More) 2
  •  10 Best Credit Cards in the Philippines 2021 (BDO, Citibank, RCBC, and More) 3
  •  10 Best Credit Cards in the Philippines 2021 (BDO, Citibank, RCBC, and More) 4
  •  10 Best Credit Cards in the Philippines 2021 (BDO, Citibank, RCBC, and More) 5

10 Best Credit Cards in the Philippines 2021 (BDO, Citibank, RCBC, and More)

A credit card is a payment tool that, when used properly, can be a powerful part of your financial arsenal. It allows you to pay for your purchases without having to bring bundles of cash around. Not to mention, you also get plenty of perks, bonuses, rewards, and installment options when using it. But first, you’ll have to take the initial leap of actually choosing the credit card that’s right for you.


There are plenty of credit cards to choose from, which could make deciding which one to get more complicated. In this article, we’ll give you our list of the 10 best credit cards from the likes of BDO, Metrobank, Citibank, BPI, and other trusted banks. We’ll also give a brief discussion on how your credit report will affect your credit card application, as well as some tips that you should consider when choosing a credit card!

  • Last updated: 11-23-2021
  • 132 views
Table of Contents

10 Best Credit Cards to Avail

The products we introduce below were carefully curated by the mybest team, from the trusted local and international banks, and using the points mentioned in our detailed and thoroughly researched buying guide.

1
Required Minimum Annual Income₱600,000
Annual Fee₱3,000
Other FeesLate Payment Fee: ₱850 or the Minimum Amount Due, Whichever Is Lower / Over-the-Limit Fee: ₱600
Perks2x Rewards for 3 Out of the Following Categories: Grocery, Gas, Travel, Department Store, or Household Appliances, Free Travel Insurance and Purchase Protection, Access to the Skyview Airport Lounge
Cash LoansYes
Installment Options2% Monthly Interest Rate, Convert Straight Purchases to Installment for Up to 36 Months
Local and Global AcceptanceWidely Accepted
Supplementary Card OptionYes
Customer Service Contact Through 24/7 Customer Service Hotline or the RCBC Website (Depending on the Transaction)
Additional FeaturesEMV Chip Technology, Access to RCBC Spend Monitor
2
Required Minimum Annual Income₱180,000 (₱250,000 for Individuals Without an Existing Credit Card)
Annual FeeNone
Other FeesLate Payment Fee: None / Over-the-Limit Fee: None
PerksExclusive Deals and Discounts, 10% Interest Back When Minimum Due Is Paid on or Before the Due Date
Cash LoansYes
Installment Options2% Monthly Interest Rate, Pay Up to 24 Months, Easy Conversion of Straight Payments Into Installment Through the Citi PayLite After Purchase
Local and Global AcceptanceWidely Accepted
Supplementary Card OptionYes
Customer Service Access to the Citi Mobile App
Additional FeaturesCiti Mobile App
3

BDOAmerican Express Cashback Credit Card

Required Minimum Annual Income₱420,000
Annual Fee₱3000 (Waived for First Year)
Other FeesLate Payment Fee: ₱850 or Unpaid Minimum Amount Due, Whichever Is Lower / Over-the-Limit Fee: Not Specifed
Perks1% Cashback on Local Purchases and 2% Cashback on Overseas Purchases (5% Cashback for the First 3 Months of Issuance), Complimentary Travel Accident and Inconvenience Insurance When Airline Ticket Is Charged Through This Credit Card, Exclusive Discounts and Privileges, 24/7 Access to Global Travel Assistance
Cash LoansYes
Installment Options2% Effective Monthly Interest Rate, Up to 36 Months at 0% Interest Through Easypay
Local and Global AcceptanceWidely Accepted
Supplementary Card OptionYes
Customer Service 24/7 Customer Service Hotline
Additional FeaturesNone
4

MetrobankTravel Platinum Visa

Required Minimum Annual Income₱700,000
Annual Fee₱5,000
Other FeesLate Payment Fee: ₱1,000 or Unpaid Minimum Amount Due, Whichever Is Lower / Over-the-Limit Fee: ₱750 Per Occurence
PerksEarn Miles With Every Transaction Overseas and on Airlines and Hotels, 24-Hour VIP Concierge Service, Avail Discounts With M Here Partner Establishments, Optional Priority Pass Membership in 950 Airport Lounges Worldwide
Cash LoansYes
Installment Options2% Monthly Interest Rate, Up to 24 Months at 0% With Partner Merchants
Local and Global AcceptanceWidely Accepted
Supplementary Card OptionYes
Customer Service Access to 24-Hour Metrobank VIP Customer Service and VISA Global Customer Assistance Service
Additional FeaturesContactless Card, Comes With Embedded Chip for Fraud Protection
5
Required Minimum Annual Income₱200,000
Annual Fee₱2,500
Other FeesLate Payment Fee:₱1,000 or Unpaid Minimum Amount Due, Whichever Is Lower / Over-the-Limit Fee: ₱800 Charged Once Within the Statement Period
PerksEarn 4x Bonus Points When Spent Shopping, Dining, Online, and Overseas, Fuel Rebate From Caltex
Cash LoansYes
Installment Options2% Monthly Interest Rate, Up to 36 Months at 0% With Select Merchants
Local and Global AcceptanceWidely Accepted
Supplementary Card OptionYes
Customer Service Reached Through Toll-Free Hotline (7:30 AM to 9:30 PM Daily), Email, Snail Mail, and Branch Visit
Additional FeaturesNone
6

Bank of CommerceClassic Mastercard

Required Minimum Annual Income₱120,000
Annual Fee₱1,500
Other FeesLate Payment Fee: ₱1,000 or the Unpaid Minimum Amount Due, Whichever Is Lower / Over-the-Limit Fee: ₱500
PerksEarn 1 Point for Every ₱25 Spent, As Much As 5x When the Card Is Used At Select Dining and Shopping Establishments
Cash LoansYes
Installment Options2% Monthly Interest Rate, Up to 36 Months at 0% Interest When Shopping at Select Establishments
Local and Global AcceptanceWidely Accepted
Supplementary Card OptionYes
Customer Service Contact Through Customer Service Hotline (7:00 am to 7:00 pm Daily) and E-mail
Additional FeaturesOnline Protect
7

MetrobankFemme Signature Visa

Required Minimum Annual Income₱700,000
Annual Fee₱5,000
Other FeesLate Payment Fee: ₱1,000 or the Unpaid Minimum Payment Due, Whichever Is Lower / Over-the-Limit Fee: ₱750
PerksUp to ₱8,000 Worth of Health and Wellness E-Gifts; Discounts With M Here Partner Establishments, Optional Access to Over 600 VIP Airport Lounges, 24-Hour VIP Concierge Service, Accumulate Rewards With Each Purchase
Cash LoansYes
Installment Options2% Monthly Interest Rate, 0% Interest for Purchases From Partner Merchants
Local and Global AcceptanceWidely Accepted
Supplementary Card OptionYes
Customer Service Contact Through Metrobank 24-Hour VIP Customer Service and 24-Hour VISA Global Customer Assistance Service
Additional FeaturesContactless Card, Embedded Chip for Fraud Protection
8
Required Minimum Annual Income₱540,000 (₱600,000 for Individuals Without an Existing Credit Card)
Annual FeeNone
Other FeesLate Payment Fee: ₱1,000 or Unpaid Minimum Amount Due, Whichever Is Lower / Over-the-Limit Fee: ₱500
PerksMastercard E-Commerce Purchase Protection, Exclusive Mastercard Discounts and Promos, Paid Access to Marhaba Lounge NAIA Terminals 1 and 3
Cash LoansYes
Installment Options2% Monthly Interest Rate, Auto-Convert Purchases Above ₱5,000 to Installment Plan of 12 Months
Local and Global AcceptanceWidely Accepted
Supplementary Card OptionYes
Customer Service Contact Through 24-Hour Customer Service Hotline and E-mail
Additional Features SimplyPay
9

BPIFamily Credit Card

Required Minimum Annual Income₱180,000
Annual Fee₱1,350
Other FeesLate Payment Fee:₱850 or Equivalent to the Value of the Unpaid Minimum, Whichever Is Lower / Over-the-Limit Fee: Not Specified
PerksNone
Cash LoansYes
Installment Options2% Monthly Interest Rate; Occasional 0% Interest, Buy Now Pay Later, and Other Installment Deals
Local and Global AcceptanceWidely Accepted
Supplementary Card OptionYes
Customer Service Contact Through 24-Hour BPI Contact Center and Email
Additional FeaturesNone
10
Required Minimum Annual Income₱252,000
Annual FeeNone
Other FeesLate Payment Fee: ₱750 for Monthly Payment, ₱375 for Semi-Monthly Payment, ₱187.5 for Weekly Payment, or the Unpaid Amount Due, Whichever Is Lower / Over-the-Limit Fee: None
PerksAccumulate Rewards Point With Every Purchase, Exclusive Mastercard Deals and Promos
Cash LoansNo
Installment Options2% Monthly Interest Rate, Choose When and How Much You Want to Pay
Local and Global AcceptanceWidely Accepted
Supplementary Card OptionNo
Customer Service Contact Through AUB Customer Service Center Hotline (8:30 am to 5:30 pm) and E-mail
Additional FeaturesMastercard SecureCode, Convenient Payment Channels

Compare the Best Credit Cards

To give you a rundown, here are our top 3 picks for the best credit cards you can avail of online:


  1. RCBC Flex Gold Visa
  2. Cit Simplicity+ Mastercard
  3. BDO American Express Cashback Credit Card

Check out the table below to further compare the characteristics of these three credit cards as well as the other seven that made it to our list.

Image
1
RCBC Flex Gold Visa 1

RCBC

2
Citi Simplicity+ Mastercard 1

Citi

3
BDO American Express Cashback Credit Card 1

BDO

4
Metrobank Travel Platinum Visa 1

Metrobank

5
HSBC Red Mastercard  1

HSBC

6
Bank of Commerce Classic Mastercard 1

Bank of Commerce

7
Metrobank Femme Signature Visa 1

Metrobank

8
Security Bank Next Mastercard 1

Security Bank

9
BPI Family Credit Card 1

BPI

10
AUB Easy Mastercard 1

AUB

Name

Flex Gold Visa

Simplicity+ Mastercard

American Express Cashback Credit Card

Travel Platinum Visa

Red Mastercard

Classic Mastercard

Femme Signature Visa

Next Mastercard

Family Credit Card

Easy Mastercard

Features

Get 2x Points When Shopping for Groceries, Appliances, and Gas

Keep Things Simple With Waived Annual, Late Payment, and Over-the-Limit Fees

Enjoy Cashbacks Instead of Points From Every Purchase

Earn Miles With Every Transaction Overseas

Accumulate 4x Points With Your Online Purchases

Great Entry-Level Card for Those Who Are Just Starting Out

Enjoy Up to ₱8,000 Worth of Health and Wellness E-Gifts

Unique Credit Card With Auto-Installment and SimplyPay Features

An Easy-to-Own Credit Card With Up to 6 Supplementary Card Slots

Allows You to Choose Whether You’d Like to Pay Your Bill Monthly, Semi-monthly, or Weekly

Required Minimum Annual Income₱600,000₱180,000 (₱250,000 for Individuals Without an Existing Credit Card)₱420,000₱700,000₱200,000₱120,000₱700,000₱540,000 (₱600,000 for Individuals Without an Existing Credit Card)₱180,000₱252,000
Annual Fee₱3,000None ₱3000 (Waived for First Year) ₱5,000 ₱2,500 ₱1,500 ₱5,000 None ₱1,350 None
Other FeesLate Payment Fee: ₱850 or the Minimum Amount Due, Whichever Is Lower / Over-the-Limit Fee: ₱600 Late Payment Fee: None / Over-the-Limit Fee: NoneLate Payment Fee: ₱850 or Unpaid Minimum Amount Due, Whichever Is Lower / Over-the-Limit Fee: Not SpecifedLate Payment Fee: ₱1,000 or Unpaid Minimum Amount Due, Whichever Is Lower / Over-the-Limit Fee: ₱750 Per OccurenceLate Payment Fee:₱1,000 or Unpaid Minimum Amount Due, Whichever Is Lower / Over-the-Limit Fee: ₱800 Charged Once Within the Statement PeriodLate Payment Fee: ₱1,000 or the Unpaid Minimum Amount Due, Whichever Is Lower / Over-the-Limit Fee: ₱500Late Payment Fee: ₱1,000 or the Unpaid Minimum Payment Due, Whichever Is Lower / Over-the-Limit Fee: ₱750 Late Payment Fee: ₱1,000 or Unpaid Minimum Amount Due, Whichever Is Lower / Over-the-Limit Fee: ₱500Late Payment Fee:₱850 or Equivalent to the Value of the Unpaid Minimum, Whichever Is Lower / Over-the-Limit Fee: Not SpecifiedLate Payment Fee: ₱750 for Monthly Payment, ₱375 for Semi-Monthly Payment, ₱187.5 for Weekly Payment, or the Unpaid Amount Due, Whichever Is Lower / Over-the-Limit Fee: None
Perks2x Rewards for 3 Out of the Following Categories: Grocery, Gas, Travel, Department Store, or Household Appliances, Free Travel Insurance and Purchase Protection, Access to the Skyview Airport LoungeExclusive Deals and Discounts, 10% Interest Back When Minimum Due Is Paid on or Before the Due Date1% Cashback on Local Purchases and 2% Cashback on Overseas Purchases (5% Cashback for the First 3 Months of Issuance), Complimentary Travel Accident and Inconvenience Insurance When Airline Ticket Is Charged Through This Credit Card, Exclusive Discounts and Privileges, 24/7 Access to Global Travel AssistanceEarn Miles With Every Transaction Overseas and on Airlines and Hotels, 24-Hour VIP Concierge Service, Avail Discounts With M Here Partner Establishments, Optional Priority Pass Membership in 950 Airport Lounges WorldwideEarn 4x Bonus Points When Spent Shopping, Dining, Online, and Overseas, Fuel Rebate From CaltexEarn 1 Point for Every ₱25 Spent, As Much As 5x When the Card Is Used At Select Dining and Shopping EstablishmentsUp to ₱8,000 Worth of Health and Wellness E-Gifts; Discounts With M Here Partner Establishments, Optional Access to Over 600 VIP Airport Lounges, 24-Hour VIP Concierge Service, Accumulate Rewards With Each PurchaseMastercard E-Commerce Purchase Protection, Exclusive Mastercard Discounts and Promos, Paid Access to Marhaba Lounge NAIA Terminals 1 and 3NoneAccumulate Rewards Point With Every Purchase, Exclusive Mastercard Deals and Promos
Cash LoansYesYes YesYesYesYesYesYesYesNo
Installment Options2% Monthly Interest Rate, Convert Straight Purchases to Installment for Up to 36 Months2% Monthly Interest Rate, Pay Up to 24 Months, Easy Conversion of Straight Payments Into Installment Through the Citi PayLite After Purchase2% Effective Monthly Interest Rate, Up to 36 Months at 0% Interest Through Easypay2% Monthly Interest Rate, Up to 24 Months at 0% With Partner Merchants2% Monthly Interest Rate, Up to 36 Months at 0% With Select Merchants2% Monthly Interest Rate, Up to 36 Months at 0% Interest When Shopping at Select Establishments2% Monthly Interest Rate, 0% Interest for Purchases From Partner Merchants2% Monthly Interest Rate, Auto-Convert Purchases Above ₱5,000 to Installment Plan of 12 Months2% Monthly Interest Rate; Occasional 0% Interest, Buy Now Pay Later, and Other Installment Deals2% Monthly Interest Rate, Choose When and How Much You Want to Pay
Local and Global AcceptanceWidely AcceptedWidely AcceptedWidely AcceptedWidely AcceptedWidely AcceptedWidely AcceptedWidely AcceptedWidely AcceptedWidely AcceptedWidely Accepted
Supplementary Card OptionYes YesYesYesYesYesYesYesYesNo
Customer Service Contact Through 24/7 Customer Service Hotline or the RCBC Website (Depending on the Transaction)Access to the Citi Mobile App24/7 Customer Service HotlineAccess to 24-Hour Metrobank VIP Customer Service and VISA Global Customer Assistance ServiceReached Through Toll-Free Hotline (7:30 AM to 9:30 PM Daily), Email, Snail Mail, and Branch VisitContact Through Customer Service Hotline (7:00 am to 7:00 pm Daily) and E-mailContact Through Metrobank 24-Hour VIP Customer Service and 24-Hour VISA Global Customer Assistance ServiceContact Through 24-Hour Customer Service Hotline and E-mailContact Through 24-Hour BPI Contact Center and EmailContact Through AUB Customer Service Center Hotline (8:30 am to 5:30 pm) and E-mail
Additional FeaturesEMV Chip Technology, Access to RCBC Spend MonitorCiti Mobile AppNoneContactless Card, Comes With Embedded Chip for Fraud ProtectionNoneOnline ProtectContactless Card, Embedded Chip for Fraud Protection SimplyPayNoneMastercard SecureCode, Convenient Payment Channels
Link

Credit Report and How It Affects Credit Card Approval

Credit Report and How It Affects Credit Card Approval

Your credit report contains all information regarding your past experience in loaning money. This reflects information such as where and when you applied for credit, to whom do you owe money, and whether you are able to pay all your debts on time. Credit card companies heavily rely on your credit report since it tells them whether you’re more likely to pay off your debt on time.


The credit report can be summarized by a credit score, a 3-digit number that serves as a risk indicator for lenders on how likely you will become a responsible borrower or credit card owner. Take note that the higher your credit score, the higher your chance for approval from the credit card company. As such, you’ll want to increase your credit score as much as possible.


Some factors that will increase your credit score include paying debts on time, using up less than 30% of your credit limit, and not applying for new credit accounts. Maintaining these practices for an extended period of time will improve your credit report and score even more, increasing your chances of being approved for a credit card.

How to Choose a Credit Card - Buying Guide

Here are some key points to consider:


  1. Pick a card that's appropriate for your income.
  2. Choose those with low credit card fees if you're a student or a first-timer.
  3. Consider the rewards, deals, and other perks that come with the credit card.
  4. Cash loans will be handy for emergency situations.
  5. Check the installment options for better payment flexibility.
  6. A credit card with wide local and global acceptability is great for frequent travelers.
  7. Extend the benefits of your credit card to your loved ones with a supplementary card.
  8. Avail your card from a trusted bank with great customer service.

For more detailed information, read through our buying guide below.

Pick a Card That's Appropriate for Your Income

Pick a Card That's Appropriate for Your Income

One of the very first things that you should consider is whether your income is appropriate for the credit card in question. This is one of the most important requirements when applying for a credit card since it ensures that you won’t have problems paying off your credit card loans and bills


To assess this, most banks will consider your annual gross fixed income. Banks will require anywhere from at least ₱180,000 for entry-level cards up to at least ₱1,000,000 annual income for premium ones. Take note that the income requirement for self-employed applicants will usually be larger as compared to that for employees.

Choose Those With Low Credit Card Fees if You’re a Student or First-Timer

Choose Those With Low Credit Card Fees if You’re a Student or First-Timer

There are plenty of fees to take into account when you own a credit card. You’ll have to pay annual fees that typically range from 500-5000 Pesos to continue enjoying your credit card. Paying your credit card bill beyond the due date could incur a late payment fee. And going over your credit limit will also cost you some over-the-limit fees. 


With all the fees that you might have to pay due to improper credit card use, choosing one that has minimal fees is essential. This is especially true for students and first-time credit card owners who might not have too much experience with credit.

Consider the Rewards, Deals, and Other Perks That Come With the Credit Card

Consider the Rewards, Deals, and Other Perks That Come With the Credit Card

Different credit cards come with different perks. Those who use their credit cards for big purchases could accumulate points and rewards that you could eventually convert into gadgets, plane tickets, and other goodies. 


If you’re a frequent traveler, you’ll definitely enjoy credit cards that give you complimentary access to exclusive lounges in various airports. Some cards would even give you access to exclusive deals on dining, hotels, and resorts!

Cash Loans Will Be Handy for Emergency Situations

Cash Loans Will Be Handy for Emergency Situations

Many credit cards give you the option of withdrawing a portion of your credit limit as cash that you can eventually pay off on your next credit card bill. Other credit cards even allow you to pay your loaned cash under fixed monthly installments.


This is a convenient feature to have, especially if you have to pay at an establishment that does not accept credit cards. However, do keep in mind that your loan would usually be subject to interest and service fees, so make sure to use this feature only in emergency situations.

Check the Installment Options for Better Payment Flexibility

Check the Installment Options for Better Payment Flexibility

Perhaps one of the best features of most credit cards is that they allow you to pay for your purchases on an installment basis. What this means is that you can immediately make your purchase then proceed to paying for it monthly in fixed fractions of the value of your purchase.


Although this payment option sometimes incurs interest, it’s a great feature to have since it makes expensive products more attainable, such as gadgets, appliances, and many more. Also, be on the lookout since many cards offer seasonal promos where you get the option of paying under installment at a 0% interest rate!

A Credit Card With Wide Local and Global Acceptability Is Great for Frequent Travelers

A Credit Card With Wide Local and Global Acceptability Is Great for Frequent Travelers

Having a credit card at hand can make payments so much easierーthat is, if you pick one that’s widely accepted. This means choosing a credit card that is honored by the majority of retailers, restaurants, and other service or product providers. This allows for hassle-free payments wherever you are!


Aside from wide local acceptance, having a card that’s accepted worldwide is also a plus. Having this kind of credit card is especially important if you travel a lot, as it could save you the hassle of having to bring cash on you at all times. Plus, it’s essential when you’re shopping from online stores overseas. 

Extend the Benefits of Your Credit Card to Family Members With a Supplementary Card

 Extend the Benefits of Your Credit Card to Family Members With a Supplementary Card

Many banks offer credit cards that give you the option of applying for a supplementary card. A supplementary card is an extension issued under the primary credit card that you can give to your family member or even close friend. It’ll often share the same benefits as the principal card, albeit with a smaller credit limit.


A supplementary card will come with its own credit card number, CVV, expiration date, and the supplementary cardholder’s own name. However, it will have a shared balance and billing statement with the principal card. 


Application for a supplementary card is quite simple and comes with lenient requirements. For example, the minimum age requirement for the supplementary cardholder is usually much lower at around 13 to 15 years old. This makes supplementary cards a great way for you to extend the benefits of your credit card to someone who is not qualified to apply for his/her own principal card.

Avail Your Card From a Trusted Bank With Great Customer Service

Avail Your Card From a Trusted Bank With Great Customer Service

From the moment you open your credit account until you decide to cancel your credit card, you will have to interact with the bank’s representatives either through phone calls or through visiting a branch. It’s always a good idea to go with a bank that has established customer service that’s quick and easy to reach. 


Pick a bank that has plenty of branches and transaction machines for easy transactions such as bills payments. Having a 24/7 toll-free customer service hotline is especially important in cases when you have an immediate concern with your credit card. And lastly, it’s always a safe bet to go with well-established banks that have a proven track record.

How to Use Your Credit Card Wisely

Depending on how you use it, your credit card can either be your best or worst financial tool. The improper use of a credit card may not only result in credit card debt, but it could also lower your credit score. Luckily, with these tips from Sun Life Philippines, you’ll be able to use your credit card wisely!

Buy Something Only When You Have the Capacity to Pay for It

Buy Something Only When You Have the Capacity to Pay for It

Remember that each swipe of your credit card means that you’re essentially borrowing money from the bank. Before you use your credit card, always think first about whether you have the cash to pay for that product. If not, then consider thinking twice before you swipe your credit card. 

Pay Your Credit Card Bills As Soon as Possible

Pay Your Credit Card Bills As Soon as Possible

Since each purchase made with your credit card is a loan, it is also subject to interest. Even if you pay for the minimum each month, remember that the rest of your loan will incur compound interest


This means you’ll have to pay a larger amount the longer you delay your payment for the full amount. To avoid this, make sure to pay the full amount on your statement as early as possible.

Higher Limit Means More Responsibility

Higher Limit Means More Responsibility

If you’ve been maintaining a good credit score for some time, your credit card company might increase your credit limit. This means you’ll now be able to spend more with your card than before. You’ll have to be even more responsible with your credit card use, as having a higher limit will make it easier to overspend.  

Always Track Your Expenses

Always Track Your Expenses

Each purchase is much less noticeable when using a credit card as compared to using cash. To make sure that you don’t end up overspending, consider keeping a small notebook where you list down all your cash and credit expenses. Take into account every single cent to make sure that you don’t lose track of your expenses.

Excellent Apps to Help With Your Finances

Excellent Apps to Help With Your Finances

Our smartphones are powerful tools that we can use for our finances. Here are some of the best e-wallets, online groceries, and food delivery apps for your online transactions. At the same time, make sure to track your expenses with some of the best personal finance apps!

Summary

Choosing which credit card to apply for is a big decision to make. Aside from considering your annual income, you’ll also have to take into account your spending habit, bank preference, and many other things. While the decision process might be a bit tedious, the benefits of flexible payment options and many perks make it well worth it!


Whether it’s for your first or second credit card, we hope this article helped you find the best one for your needs. If you enjoyed this article, consider liking and following our Instagram and Facebook page to stay updated!


Author: A. Coseip

Editor: A. Mangulabnan

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