Find a credit card that fits your lifestyle
Answer a few simple questions. Truva will show cards that may fit your income, spending, and goals — with fees and catches explained before you apply.
How Truva helps
Clear and simple comparisons
No jargon. We explain rewards, fees, and interest in normal words.
Catches shown up front
Yearly fees, conditions, and watch-outs before you tap Apply.
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Showing American Express Cashback Credit Card from BDO Unibank, Inc..
Do not let the fine print surprise you
Credit card fees can be confusing. We break down the most common ones so you know exactly what you are signing up for.
Annual Fee
The cost of owning the card for a year. Some cards have no yearly fee for life, while others waive the fee only after you meet a spend rule.
Interest Rate
The monthly charge on unpaid balances. In the Philippines, this is usually capped at 3% per month by the BSP.
Foreign Transaction Fee
The fee charged when you use your card abroad or for online purchases in foreign currency.
Late Payment Fee
Charged if you miss the payment due date. Usually a fixed amount (e.g., ₱1,000) or a percentage of the overdue amount.
Fee Facts
Based on standard PH bank terms
* Values shown are illustrative averages. Always check the Specific Terms and Conditions of your chosen bank.
Level up your financial lifestyle
Our expert-written guides help you master your money and get the most out of your cards.
Credit Card 101: How it works
New to credit? Start here to understand statements, due dates, and billing cycles.
How to get your first credit card
Practical tips on eligibility, documents, and what banks usually check for first-time applicants.
Maximizing your credit card rewards
Learn how to turn your daily spending into free flights, cashback, and shopping points.
Partner Disclosure
Truva is free for everyone. We may earn a referral fee from some of the banks listed on this page when you apply through our links. This does not change the data we show or how we score products. Our mission is to provide source-checked, plain-English comparison data for Filipinos. Always confirm the bank's latest terms before applying.
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