Unlocking 2025's Hidden Credit Card Benefits: Turn Financial Dreams Into Reality
Neutral View: You can meet the requirements without being physically present in the U.S., but it requires paperwork and planning.
Critical Perspective: Banks change their policies. Even with an ITIN and address, some issuers decline applicants without U.S. credit history. Mail forwarding may be seen as a risk factor.
Strategic Takeaway: Start with the basics—open a multi-currency account and apply for an ITIN. Establish relationships with fintech platforms and, if possible, have a trusted U.S. cardholder add you as an authorized user to build credit.
U.S. credit cards are not just for globetrotters or business owners. They can enhance everyday life for Filipinos in several ways.
Neutral View: These benefits align with common spending patterns—food, entertainment, travel and online shopping—making them practical.
Critical Perspective: Annual fees and currency fluctuation can still eat into your rewards. Some U.S. cards require large minimum spends to unlock bonuses.
Strategic Takeaway: Consider a card that matches your spending; if you dine out often, an Amex Gold might make sense. If you travel occasionally, a card with travel protections may pay for itself in insurance alone.
There is no one-size-fits-all card.
Here are several cards that Filipinos often find useful. Eligibility varies, so research current offers and terms.
| Card | Distinct Features | Why It Might Fit You |
|---|---|---|
| Chase Sapphire Preferred | Earn 5× points on travel booked via Chase Travel, 3× on dining, 2× on other travel and includes strong travel insurance; no foreign transaction fees. | Suited to those who travel internationally and dine out frequently. Points transfer to airlines and hotels. |
| Capital One Venture | Flat 2× miles on every purchase; includes Global Entry/TSA PreCheck fee credit and has zero foreign transaction fees. | Straightforward rewards make it ideal for online shoppers and travellers seeking simplicity. |
| American Express Gold | Offers 4× points at restaurants and U.S. supermarkets, 3× points on flights and dining credits for food delivery services. | Great for food lovers and those who enjoy cooking. Has an annual fee but provides dining credits that offset it. |
| Citi Premier | Provides 3× points on air travel and hotels, 2× on dining and entertainment, plus points transfer to various frequent-flyer programs. | Suitable for people who value flexibility with airline partners. |
| Discover it® Miles | Earn 1.5× miles on all purchases and receive a first-year match on miles earned. | A good entry-level option, though acceptance in Asia may be limited; best used online. |
Neutral View: Each card excels in certain areas. Some emphasise travel and dining, while others provide flat-rate rewards.
Critical Perspective: High annual fees, limited acceptance (e.g., Discover in Asia) and credit score requirements can be barriers. Rewards programs can change over time.
