Go Rewards Gold Visa
Gold
UnionBank · Visa · Gold
Go Rewards Gold Visa
Why pick it: Black lane at Shopwise, 3,000-point welcome gift
Entry Robinsons Retail co-brand: 1 Go Rewards point (worth ₱1) per ₱200 everywhere; automatic Go Rewards Black membership perks.
- Score
- 27 /100
- Rank
- #63 of 123
- Annual fee
- ₱3,000
Magagamit ang points sa Robinsons Retail brands, at 1 point per ₱200 lang ang earn kahit doon, per the T&C.
Bottom line: Para lang ito sa madalas mamili sa Robinsons Retail brands o Shopwise at gagamit ng Black lane at ng 3,000-point welcome gift. Rewards ang habol mo? Ubos ng fee ang malaking parte ng rewards, kaya hanap ka ng iba.
Read the full take: the math, what's good, what hurts
Kapag typical household (~₱825k a year), ~₱2,500 ang rewards, pero ~-₱1,500 naman ang travel, negative dahil sa foreign fee. ₱3,000 ang annual fee. Puwede kang humiling ng waiver (from our data), pero sa bank ang desisyon. Puwesto: #63 sa 123 cards; score 27.
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
- 1 Go Rewards point per ₱200 na gastos, ayon sa Gold page.
- Automatic ang Go Rewards Black membership, may Black lane sa Shopwise at The Marketplace.
- Welcome gift na 3,000 Go Rewards points kung mag-spend ka ng ₱30,000 within 60 days mula nang matanggap ang card.
What's bad
- Walang points ang bills payment, per the Go Rewards T&C.
- Mataas ang 3.00% sa foreign use (galing sa data).
- Hindi nakalista sa page ang lounge at insurance, at wala rin ito sa aming data.
The catch: Wala sa Gold page o sa overview page mismo ang annual fee at income. Nasa Go Rewards T&C (Sep 2025) ang fee (₱3,000 principal, ₱1,500 supplementary), at tugma ito sa fee table ng UB (July 2025). Galing ang income sa requirements table ng UB. Hindi rin malinaw sa page kung nag-e-expire ang points.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee on the card page itself; minimum income on the card page; points expiry; lounge and insurance. 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 ₱1,000 in rewards (₱2,500) and travel value (−₱1,500), before the ₱3,000 annual fee (on request; the bank decides)
- To qualify:
- ₱360,000 a year income
- Bank service:
- About typical.
First year
- Welcome offer:
- Via Moneymax (new-to-UB applicants holding another bank's card): choose a gift up to ₱3,990, e.g. ₱3,000 Giftaway eGift; no spend requirement stated. (ends Jan 31, 2027)
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.
Score breakdown, fees, rewards and perks
Score breakdown
#63 of 123 cards open to new applicants, and #89 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value3 / 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 spend6 / 37
About ₱2,500 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 waivers0 / 16
A ₱3,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend1 / 10
About −₱1,500 of travel value on one trip abroad a year, after the 3.00% foreign fee. How the bars work
- Promos and 0% installments13 / 15
0% installment network: fair. Promos: strong, judged by what a typical household would likely save from the promos this card gets, past and current, with 32 live promos tracked. How it is scored
- Points flexibility5 / 10
1 airline partner, and points that expire. It counts for less here because the card earns little back on this spend. How it is scored
- Credit limit and upgrade path3 / 5
Gold card level, plus how UnionBank handles credit limit increases and card upgrades. How it is scored
- App and service4 / 5
Banking app: strong. Service: about typical. How it is scored
- Late fee0 / 2
A late fee of ₱1,500 for one missed payment. How it is scored
On the default spend: about ₱2,500 a year in rewards and −₱1,500 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
- 3.00%
- Minimum income
- ₱360,000 a year
Rewards
1 Go Rewards point per ₱200 everywhere, no bonus categories. 1 point = ₱1, credited automatically. Bills payment and Bill Manager enrollments earn no points.
- Type
- Points
- Points expiry
- unknown
- Airline partners
- Cebu Pacific Go Rewards
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Watch out for
- High FX fee (3.00%): avoid using it abroad
Live and upcoming promos (32)
As of Nov 11, 2026. Check each promo's source before you rely on it.
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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.
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