Amex Cashback
Gold
BDO · Amex · Gold
Amex Cashback
Why pick it: Uncapped 1% local and 2% overseas cashback
Flat cashback card: 1% local, 2% overseas, no minimum spend or cap; 1.85% FX fee; Amex acceptance in PH narrower than Visa/Mastercard.
- Score
- 46 /100
- Rank
- #23 of 123
- Annual fee
- ₱3,000
Simple cashback: 1% local, 2% overseas. Per the page, walang minimum spend at walang rebate cap.
Bottom line: Cashback ang hanap mo, at tumatanggap ba ng Amex ang mga store mo? Bagay ito. Kung hindi, ibang cashback card muna.
Read the full take: the math, what's good, what hurts
Typical household (~₱825k a year): ~₱4,500 ang kita, ~₱1,000 ang net travel value. Puwesto nito: #23 sa 123; 46 ang score.
The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.
What's good
- Travel insurance na hanggang ₱10M para sa family.
- Mababa ang income requirement: ₱33,000 a month.
- Free ang first year ng membership.
What's bad
- Hindi lahat ng store tumatanggap ng Amex, base sa data.
- Kinakain ng 1.85% na foreign fee (galing sa data) ang malaking bahagi ng 2% overseas cashback.
- Per the Cashback T&C, walang cashback ang recurring payment, Auto Charge at Charge on Demand.
The catch: Wala sa BDO page ang annual fee, kaya mula sa data ang ₱3,000. Hindi rin nag-e-earn ng cashback ang balance at cash installments, base sa data; wala ito sa page. Walang lounge na lumalabas sa page o sa data.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; foreign fee; balance and cash installment exclusion (from our earn rules). Our opinion, based on published terms. Not financial advice. The bank decides approval.
The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.
- Yearly value for a typical household:
- about ₱5,500 in rewards (₱4,500) and travel value (₱1,000), before the ₱3,000 annual fee (on request; the bank decides)
- To qualify:
- ₱396,000 a year income; Regular employee, or self-employed with business running 2+ years
- Bank service:
- Worse than typical.
First year
- Welcome offer:
- ₱5,000 welcome cashback on a new card approved Sep 1, 2026 to Jan 31, 2027: activate and spend ₱50,000 within the spend period (offer sent by SMS/email) (ends Jan 31, 2027)
- Annual fee:
- Monthly fee starts after the first year.
Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.
Who can apply
- Age:
- 21 to 60 for the principal cardholder.
- Employment:
- Regular employee, or self-employed with a business operating for at least 2 years.
Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; confirm on the bank's page before you apply. None of this changes the card's score.
Score breakdown, fees, rewards and perks
Score breakdown
#23 of 123 cards open to new applicants, and #32 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value20 / 63
These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored
- Rewards on the default spend10 / 37
About ₱4,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers12 / 16
A ₱3,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend3 / 10
About ₱1,000 of travel value on one trip abroad a year, after the 1.85% foreign fee. It includes travel insurance, though insurance counts only a little toward this figure and the score. How the bars work
- Promos and 0% installments14 / 15
0% installment network: strong. Promos: strong, judged by what a typical household would likely save from the promos this card gets, past and current, with 26 live promos tracked. How it is scored
- Points flexibility6 / 10
Cashback is simple to use but cannot move to an airline. How it is scored
- Credit limit and upgrade path2 / 5
Gold card level, plus how BDO handles credit limit increases and card upgrades. How it is scored
- App and service3 / 5
Banking app: strong. Service: worse than typical. How it is scored
- Late fee1 / 2
A late fee of ₱850 for one missed payment. How it is scored
On the default spend: about ₱4,500 a year in rewards and ₱1,000 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
- Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
- Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
- Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
- Method changes
Fees and who can apply
- Annual fee
- ₱3,000
- Supplementary fee
- ₱1,500
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 1.85%
- Minimum income
- ₱396,000 a year
- Also needs
- Regular employee, or self-employed with business running 2+ years
Rewards
1% local and 2% overseas cash back, no minimum spend and no cap. Recurring payments, Auto Charge, Charge on Demand, balance and cash installments, and fees earn nothing. Amex is accepted at fewer merchants than Visa or Mastercard.
- Type
- Cashback
- Points expiry
- none
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- Up to ₱10,000,000, covers family
Strengths
- Low FX fee (1.85%)
- Travel insurance up to ₱10M covering family
Watch out for
- Amex is accepted at fewer merchants
Live and upcoming promos (26)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- BDOEnds Dec 31, 2026BDO Amex cards
- BDOEnds Nov 12, 2026All BDO credit cards
- BDOEnds Nov 20, 2026Mon to FriAll BDO credit cards
- BDOEnds Nov 20, 2026Mon to FriAll BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
Show 21 more
- BDOEnds Jun 30, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDO American Express Buy Now Pay Later: 0% up to 24 months, or 1% monthly add-on up to 36 monthsScore 75BDOEnds Dec 31, 2026BDO Amex cards
- P500 cashback per P5,000 Buy Now Pay Later receipt at SM Store, up to P3,000, with BDO credit cardsScore 74BDOEnds Nov 14, 2026All BDO credit cards
- BDOEnds Feb 28, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Nov 12, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Nov 15, 2026All BDO credit cards
- BDOEnds Jan 31, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Jan 31, 2027All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
- BDOEnds Dec 31, 2026All BDO credit cards
What cardholders say (0)
Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.
No cardholder posts yet.