Philippines Personal Loans Revolution: Digital Transformation Drives $936M Market by 2028
Explore the Philippines' booming personal loans market, driven by digital transformation, fintech innovation, and rising consumer demand. Market pr...
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| Card Name | Rating | Annual Fee | Rewards Rate | Welcome Bonus | Approval Odds | Apply |
|---|---|---|---|---|---|---|
|
Excellent for Premium Travel Benefits and Cashback | ₱4,000 | 1.5%-3% Cashback | ₱8,000 worth of Points | High | Apply Now Rates & Fees |
|
Excellent for Cashback on Everyday Purchases | ₱3,000 | 1%-5% Cashback | ₱5,000 worth of Points | High | Apply Now Rates & Fees |
|
Excellent for Travel Benefits and Rewards | ₱5,000 | 1x-3x Points | 15,000 Points | Medium | Apply Now Rates & Fees |
|
Excellent for No Annual Fee and Balance Transfer | ₱0 | 1.5%-2% Cashback | ₱3,000 Cashback | Medium | Apply Now Rates & Fees |
|
Excellent for Dining and Entertainment Rewards | ₱2,500 | 1x-5x Points | 10,000 Points | Medium | Apply Now Rates & Fees |
|
Excellent for Travel Miles and Airport Lounge Access | ₱5,000 | 1x-10x Miles | 30,000 Miles | Medium | Apply Now Rates & Fees |
|
Excellent for 0% Installment Plans and Balance Transfer | ₱4,000 | 1x-3x Points | ₱4,000 Cashback | Medium | Apply Now Rates & Fees |
|
Excellent for Premium Travel Insurance and Concierge | ₱6,000 | 1x-5x Points | ₱10,000 worth of Points | Low | Apply Now Rates & Fees |
|
Excellent for No Annual Fee for Life | ₱0 | 1%-3% Cashback | ₱2,000 Cashback | High | Apply Now Rates & Fees |
What You Should Know About Credit Cards for Excellent Credit
Credit cards for those with excellent credit often come with premium perks, higher credit limits, and competitive rewards. Here's what to consider when choosing the best card for your needs:
How to Qualify for Credit Cards Requiring Excellent Credit
In the Philippines, excellent credit typically means having a credit score of 800 or higher with the Credit Information Corporation (CIC) or TransUnion. To achieve this level, you generally need:
- A history of on-time payments
- Low credit utilization (usually below 30%)
- Lengthy credit history (ideally 5+ years)
- Diverse credit mix (credit cards, loans, etc.)
- Few or no recent credit applications
Benefits of Excellent Credit Cards
Credit cards designed for those with excellent credit typically offer:
- Higher rewards rates on purchases
- Valuable welcome bonuses
- Premium travel perks like airport lounge access
- Extended warranties and purchase protection
- Concierge services
- Lower interest rates
- Higher credit limits
How to Choose the Best Credit Card for Excellent Credit
When selecting a credit card, consider these factors:
Annual Fee
Premium cards often charge annual fees ranging from ₱1,500 to ₱10,000 or more. Evaluate whether the card's benefits justify this cost. Some cards waive the annual fee for the first year or with minimum spending requirements.
Rewards Program
Look for rewards programs that align with your spending habits. Travel cards earn miles for flights and hotels, while cashback cards provide a percentage back on purchases. Some cards offer bonus rewards in specific categories like dining, groceries, or gas.
Welcome Bonus
Many excellent-credit cards offer substantial welcome bonuses worth thousands of pesos in points, miles, or cashback. Compare offers and be aware of minimum spending requirements to earn these bonuses.
Interest Rates
If you occasionally carry a balance, look for cards with lower interest rates. Some cards offer 0% introductory APR periods for balance transfers or purchases.
Additional Benefits
Consider perks like travel insurance, purchase protection, extended warranties, airport lounge access, and concierge services that add value beyond the rewards program.
Credit Card Rewards Calculator
See if a credit card's annual fee is worth it based on your spending habits.
Annual Rewards Value:
₱5,400
First Year Net Value:
₱7,400
Ongoing Annual Net Value:
₱2,400
Break-even Monthly Spend:
₱16,667
Methodology
At Nerdcash.ph, we evaluate credit cards based on their overall consumer value and their suitability for specific kinds of consumers. Factors we consider include:
- Rewards rates and earning structure
- Redemption options and flexibility
- Annual fees and other costs
- Welcome bonuses and promotional offers
- Travel and purchase benefits
- Ease of application and approval requirements
- Interest rates and balance transfer options
- Customer service quality and user experience
Our ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.