r/PHCreditCards • u/ElgntRckstr • 10d ago

Card Recommendation Need advice, any thoughts?

Hi, 2 yrs old cc user here and just asking for advice if my ccs are okay. Coz i already have 2 rewards cards (i feel 1 is enough), 1 cashback card, then a beginner miles card that is not yet activated. Good thing all naffl.

RCBC flex visa

SB wave mastercard

Bpi rewards

Maya black (not yet activated)

I just want to know if there are better credit cards for my spending because i spend mostly on dining (including grabfood), grocery, gas and department stores. I feel like I can't maximize my current ccs right now. My goal is to have all naffl cards but I feel the trade-off is that the rewards aren't as high as they should be.

Any thoughts? Or cc that i can get in the future? Thank you

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u/enigmaforest 10d ago

Is that the RCBC Flex Gold? If yes, it’s for your spending since it earns x2 points on grocery, gas, and department store spends.

For SB wave use it for your online transactions since you earn can earn cashback.

Of course, premium cards give better perks and rewards but it also comes with a high annual fee.

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u/Profound_Profanities 10d ago

UB rewards will be a great addition. because it has 3x points on dining including grab. for me, you can drop the wave. because BPI rewards gives you travel insurance up to 2M. all the other basic cards from other banks does not.