Best Cash back Credit Cards – Earn While You Spend

Life’s a financial rollercoaster—might as well enjoy the ride and earn a little back while you’re at it. If you’re tired of swiping your card and getting nothing in return, cashback credit cards can turn your everyday spending into real savings. Each purchase could be putting pesos back in your pocket.

But with so many options in the Philippines, finding the one that fits your lifestyle and spending habits can feel overwhelming.

That’s where this guide comes in. We’re comparing the top cashback credit cards in the Philippines, highlighting their benefits, categories, and features to help you find the best match. Whether you're searching for the highest cashback credit card Philippines, a cashback credit card with no annual fee, or just want to compare credit cards the smart way—read on.

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Cash back credit cards reward you with a percentage of your purchases back as rebates or credits on your statement. These cards have become increasingly popular in the Philippines as consumers look for ways to maximize the value of their everyday spending.

Think of cash back cards as giving you an automatic discount on everything you buy. Instead of clipping coupons or waiting for sales, you're getting money back simply by using your card for purchases you'd make anyway.

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1. UnionBank Cash Back Visa Platinum

Best for grocery shoppers and utility bill payers

The UnionBank Cash Back Visa Platinum offers one of the highest grocery rebate rates in the market:

• 6% cashback on supermarket purchases
• 2% cashback on Meralco bills
• Access to year-round promotions
• Annual fee: ₱4,500 (often waived for the first year)
• Income requirement: ₱15,000 for carded applicants or ₱20,883 for non-carded applicants

This card is particularly ideal for households due to its generous grocery rebates and utility bill benefits. For a family spending ₱20,000 monthly on groceries, that's ₱1,200 back in your pocket every month – enough for an extra week of groceries over the course of a year!

2. BPI Amore Cashback Card

Best for dining enthusiasts

If you frequently dine out or order food delivery, this card offers excellent rewards:

• 4% cashback on dining and food delivery
• 1% cashback on shopping
• 0.3% cashback on other purchases
• Complimentary Ayala mall lounge access and parking tickets
• Annual fee: ₱5,000 (waived first year)
• Income requirement: ₱83,333/month

The higher income requirement makes this card less accessible, but its dining rewards are among the best available. For foodies who dine out three times a week, the savings can be substantial – imagine getting every 25th meal essentially free through cashback rewards.

3. Petron BPI Card

Best for Drivers and Petron Loyalists

‍Perfect for those who are frequently hitting the road, especially those who fuel up at Petron stations. This card offers:

• ₱0.03/L rebate on fuel purchases at Petron
• Free ₱200 fuel voucher upon card activation and use
• Annual fee: ₱1,550 (waived for the first year)
• Income requirement: ₱15,000/month

If you're a suki at Petron, this card turns every liter into a small but consistent saving. For someone who can easily guzzle at least 100 liters per month, that’s a ₱3 saving per liter... a whopping ₱300 back in your pocket monthly!

4. Metrobank Cashback Visa

Best for diverse essential spending

This card rewards multiple spending categories:

• 5% cashback on groceries, telecommunications, school, and bookstore purchases
• Maximum rebate of ₱1,000 per cycle
• Annual fee: ₱3,500 (waived first year)
• Income requirement: ₱15,000/month

The Metrobank Cashback Visa is ideal for families with school-aged children, as it covers both grocery shopping and educational expenses. The 5% rate is competitive, though the ₱1,000 cap means you'll maximize benefits with around ₱20,000 of category spending per cycle.

5. Maya Landers Cashback Everywhere Credit Card

Best for digital-savvy shoppers

A newer entrant to the market with a digital-first approach:

• 1% cashback on all purchases
• 2% cashback on dining
• Up to 5% cashback at Landers
• Annual fee: Waived
• Digital management via Maya app
• Spend limits and Landers membership benefits

According to Maya Bank, this card appeals to tech-savvy shoppers who appreciate digital management of their credit card. The card integrates smoothly with the Maya digital ecosystem, making it easy to track spending and rewards in real-time. For Landers Superstore regulars, the 5% cashback rate makes this card particularly attractive.

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For a deeper credit card comparison, check out this guide.

To get the most value out of your cashback card, follow these practical tips:

1. Match spending categories: Choose a card that aligns with your highest specific spending categories. For example, if most of your expenses go to groceries, pick a card with high supermarket cashback. Same goes for online purchases, drugstore purchases, etc. On top of that, some cards provide welcome gifts like gift certificates, cash credits, etc.
2. Track your rewards: Use your bank app or online banking to monitor how much cashback you’ve earned and ensure you’re not missing out.
3. Avoid interest charges: Always pay off your full balance. Cashback isn’t worth it if you’re paying interest on unpaid balances.
4. Set reminders: Avoid late fees and maximize bonuses by setting payment reminders and tracking promo periods.
5. Use multiple cards: Strategically combine cards — e.g., one for groceries, one for dining — to earn points and boost total rewards.
6. Stay updated on promos: Follow your bank’s social media or sign up for newsletters to catch limited-time bonus cashback offers.
7. Redeem wisely: Redeem cashback and rewards points to offset large purchases or apply them to your next billing cycle.

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For Grocery Shoppers

The UnionBank Cash Back Visa Platinum or Metrobank Cashback Visa offer the highest grocery rebates. If your cart is regularly filled with weekly family essentials, these cards will put the most money back in your wallet.

For Dining Enthusiasts

The BPI Amore Platinum provides excellent dining cashback rates. Whether you're a foodie exploring new restaurants or someone who relies on food delivery services, this card maximizes returns on your culinary adventures.

For Frequent Drivers

The Metrobank Toyota Mastercard is ideal, especially for Toyota owners. With fuel prices constantly fluctuating, the consistent 3% rebate provides welcome relief at the pump.

For Digital Users

The Maya Landers card offers app-based management and Landers-specific perks. If you prefer managing your finances through your smartphone and shop at Landers, this card combines convenience with targeted rewards.

For Budget-Conscious Consumers

The EastWest EveryDay Titanium Mastercard requires no minimum spend to earn cashback, making it accessible for those with more modest spending habits or irregular income.

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1. Focus your spending on high-cashback categories
2. Pay your balance in full each month
3. Track your rewards
4. Consider multiple cards
5. Watch for promotional offers
6. Take advantage of added perks

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Take action to start earning cash back today

Choosing the right cashback credit card can put hundreds or even thousands of pesos back in your pocket each year. Consider your spending habits, compare the available options, and apply for the card that best matches your lifestyle.

Remember that responsible credit card use is essential – only charge what you can afford to pay off each month to avoid interest charges that would offset your cashback earnings.

Ready to start earning while you spend? Compare credit cards and apply for the one that best suits your needs today.

Sources

• MoneySmart: Cashback Credit Cards in the Philippines
• Reddit: Cashback Card Comparison
• Maya: Choosing the Best Cashback Rewards Card

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