Amex Explorer

Score breakdown

#3 of 123 cards open to new applicants, and #4 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

• Yearly value53 / 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 spend29 / 37

    About ₱14,000 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 waivers16 / 16

    The ₱4,000 fee is waived automatically at ₱450,000 of yearly spend, which the typical household reaches. How the bars work

  • Travel and perks on the default spend5 / 10

    About ₱4,000 of travel value on one trip abroad a year, after the 1.85% foreign fee. It includes lounge visits (each person in a household of three who gets in counts) and 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 flexibility9 / 10

  6 airline partners, and points that do not expire. How it is scored

• Credit limit and upgrade path2 / 5

  No standard card level. The score also reflects 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 ₱14,000 a year in rewards and ₱4,000 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

₱4,000

Supplementary fee

₱2,000

Fee waiver

Waived automatically at ₱450,000 yearly spend

Foreign transaction fee

1.85%

Minimum income

₱792,000 a year

Also needs

Regular employee, or self-employed with business running 2+ years

Rewards

1 Membership Rewards point per ₱30, transferable 1:1 to 6 airline programs (minimum 1,000 points, in 500-point steps). Anniversary bonus of 2,000 points if you spend ₱600,000 in a year. Bills paid by Auto Charge or Charge on Demand earn no points.

Type

Miles

Points expiry

none

Airline partners

PAL Mabuhay Miles, Cathay Asia Miles, Singapore KrisFlyer, Delta SkyMiles, Thai Royal Orchid Plus, Malaysia Airlines Enrich

Travel perks

International lounge visits

None

Local lounge

unlimited

Travel insurance

Up to ₱10,000,000, covers family