How we score

One method for every card. Data as of Nov 11, 2026.

Each card gets up to 100 points. The biggest share, yearly value, is worked out in pesos on a default spend, as if the card were your main card for all of it. The default is a typical household of three: 56,500 pesos a month plus 1 trip abroad a year. Pick your own spend on Find my card and every card is rescored for you.

Rankings are not for sale. If SulitCard shows affiliate or partner links, they decide only which links appear, never a score, tier or rank. Sources are the banks' own card pages and fee disclosures first; comparison sites only as a fallback. Promos are checked weekly by a person before they are published. Cards with thinner data are labelled.

Yearly value63 points

What the card is worth to you in a year, in pesos, on your spend. It has three parts: the rewards the card gives back, the annual fee after waivers, and travel and perks. All three are counted in pesos on one scale and added up, rewards and travel adding and the fee taking away, so a card that gives back a lot can carry a fee and still come out ahead. The more a card is worth in a year, the more points it gets.

Each part has a weight that sets how much it counts: rewards 37, the annual fee 16 and travel and perks 10, which together give yearly value its 63 points. On Find my card you can move each of the three to say how much it matters to you, and every card is rescored.

Card pages show yearly value as one score, and under it three bars, one for each part. Each bar compares the card with the other cards open to new applicants on that part alone: a full rewards bar means the card gives back as much as the best of them, a full annual fee bar means it costs about as little as the cheapest, and an empty bar means it is among the weakest on that part. The annual fee bar moves in steps (empty, a quarter, half, three quarters, full) rather than smoothly. Yearly value is worked out on one peso scale, where a part can make up for another (a card with big rewards can carry a fee and still come out ahead), so the bars do not add up to it. The bars use the default spend. They are there to show where a card is strong or weak; they never change a score, tier or rank.

Rewardsweight 37, part of yearly value

How many pesos the card gives back in a year on your spend, after reward caps, the foreign fee on overseas online spend and how widely the network is accepted. Miles and points are turned into pesos at a fixed value for each program, so cards on different programs can be compared.

Annual fee after waiversweight 16, part of yearly value

What you would really pay in annual fees, taken off the yearly value. We count the principal card, plus one supplementary card for a family. A card that is free, or that waives its fee at your spend, takes nothing off. For a fee the bank waives only on request, we count what you are likely to pay. First-year promos are ignored, because they are not standing terms.

Travel and perksweight 10, part of yearly value

What the card earns on your trips abroad, minus foreign transaction fees, plus airport lounge access and travel insurance. Many cards come out behind here because the foreign fee costs more than the rewards give.

Lounge access counts for each person who gets in, so it depends on who travels with you: a card that lets in a guest, or gives a supplementary cardholder their own access, is worth more to a couple or a family than to someone who travels alone. Travel insurance counts a little, since most trips never need it.

Promos and 0% installments15 points

Two things: how good the bank's standing 0% installment network is, and how much a household would likely save in a year from the promos the card gets, at its own spend. See how promos count.

Points flexibility10 points

How freely you can spend what the card earns. Points that move to several airlines and never expire score highest; points that only work inside one store's credit score lowest.

Credit limit and upgrade path5 points

We do not know your limit. Half of this is the card's level: higher-level cards usually give higher limits. The other half is how the bank handles credit limit increases and card upgrades, from what it publishes and what its cardholders report.

App and service5 points

Half is the bank's app: how many card functions the bank's app offers and how its app-store ratings look. Half is service: how the bank treats its cardholders, from what they say about it. See bank service. The example profiles shift the split: Starter and Young professional count the app a little more, Retiree, OFW family and Premium traveller count service a little more.

Late fee2 points

Interest is at the BSP cap of 3% a month on every card, so it cannot tell cards apart. What differs is the fee for one missed payment: the lower the fee, the more points.

Tiers

Tiers run from S (best) to D and compare each card with the other cards open to new applicants. Solid means a ranked card kept its tier in almost every re-run when we re-scored it with the less certain inputs nudged within their likely range; Borderline means it could move to the tier named next to it. Scores are rounded to the nearest point, so two cards can show the same score and sit in different tiers; the tier is the one that counts. Invite-only and closed cards show the tier their score would earn, without that label.

How promos count

A card's promos count by what a household would likely save from them in a year, at its own spend: how often it would use each promo and what the promo gives, up to the promo's own limit. Promos at big stores people use often count for more than ones at a single shop, and offers that need sign-up, are only for new cardholders or only for invited cardholders count for less. We look at the card's track record (promos that ended, older ones counting less) as well as what is live and upcoming. A promo counts for a card if it names the card, the bank, the bank's cards on one network or the network itself; offers every card on a network gets count for less, since they do not tell cards apart. 0% installment deals count in the installment part instead.

The promo score reads promos that ended or are live or upcoming between Jan 1, 2025 and Jan 31, 2027, counting each promo for the days it ran or runs inside that window. It is an estimate from that recent record, not a forecast of promos still to come.

The deals list still ranks each promo on its own: how popular the store is, how much you save, how easy it is to get and how long it runs.

Bank service

The service half of app and service reflects what cardholders say in public about how their bank handles calls, fraud, disputes, outages and limits. Posts skew toward people with a problem, so service is a small part of the total.

Profiles

The typical household is the default. Find my card can also start from one of eight example profiles, each with its own spend and travel, and then rescores every card on your answers.

Method changes

Every change to how cards are scored, newest first. Fixes to a single card's data are not listed.

Nov 11, 2026Scores shown to the nearest point; one fixed split for rewards, fee and travel
Nov 11, 2026Profile and quiz tiers follow the scores you see
Nov 11, 2026My wallet counts insurance and lounge visits per trip and per traveller
Nov 11, 2026Example profiles weigh the banking app and service differently
Nov 11, 2026Maya Mile value
Nov 5, 2026A card with a higher income minimum for first-time applicants is no longer left out
Nov 2, 2026Card pages show score over time
Nov 2, 2026My wallet tries every way of using your cards
Oct 29, 2026Bank app score measured from what the app does and its store ratings
Oct 29, 2026Promos scored by what you would likely save
Oct 29, 2026Travel insurance counts a little everywhere
Oct 29, 2026Card pages show rewards, annual fee and travel separately
Oct 28, 2026One-person profiles no longer count a supplementary card
Oct 28, 2026Card pages say whether a tier is solid or borderline
Oct 28, 2026Tier lines held fixed between yearly resets
Oct 28, 2026Rewards, fee and travel on one peso scale; lounges count for each person
Oct 28, 20260% installment deals count once; promos follow your spend
Oct 28, 2026Network-wide promos count less; missing promo history filled in
Oct 28, 2026Points flexibility counts for less on cards that earn little
Oct 28, 2026Credit limit and upgrade path now looks at how the bank treats cardholders
Oct 28, 2026Fee waiver estimates now reflect card level and spend
Oct 27, 2026Card pictures drawn from our own data
Oct 27, 2026Your own scores worked out on our server; points shown whole
Oct 27, 2026Twin cards merged; limited-eligibility and dollar cards listed but not ranked
Oct 26, 2026Service score counts complaints the bank fixed
Oct 26, 2026Older promos and posts count for less; cards near a tier line are marked
Oct 26, 2026Bill payments that a bank's rewards terms exclude earn nothing
Oct 26, 2026China Bank points cards: utilities and telco earn nothing
Oct 25, 2026Late fee replaces cost of carrying a balance
Oct 25, 2026Bonus multipliers are modeled only when a bank defines them
Oct 25, 2026App and service scores service reputation
Oct 25, 2026Service score reads more cardholder sources
Oct 24, 2026Secured cards listed, not ranked
Oct 24, 2026Typical household is the default spend
Oct 24, 2026Weights: travel 15 to 10, promos 10 to 15
Oct 24, 2026Second rank among all cards
Oct 23, 2026Alumni, club and company cards left out