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Local Cards Trap You. U.S. Credit Cards Free You

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📲 Section 4 – Best U.S. Credit Cards to Use as a Filipino

Selecting the right card depends on your spending habits and goals. The following table summarises five popular U.S. cards that offer high global utility.

Always check each issuer’s eligibility requirements, annual fee and the current offers at the time you apply.

Table: U.S. Cards with High Global Utility

Chase Sapphire Preferred
Key benefits
5× points on travel via Chase Travel; 3× dining; 2× other travel worldwide; strong travel insurance; no foreign transaction fees.
Notes for Filipinos
Points transfer to airline partners. Great for international trips if you can meet the minimum spend.
Learn more
Capital One Venture
Key benefits
2× miles on every purchase; Global Entry or TSA PreCheck credit; no foreign transaction fees.
Notes for Filipinos
Simple rewards. Useful for cross-border online shopping and paying streaming services like Netflix or Disney+.
Learn more
American Express Gold
Key benefits
4× points at restaurants, including delivery; 4× at U.S. supermarkets up to US$25,000 per year; 3× on flights; dining credits and concierge.
Notes for Filipinos
Well accepted at major hotels, malls and restaurants; smaller merchants in the Philippines may have limited acceptance.
Learn more
Citi Premier
Key benefits
3× on air travel and hotels; 2× on dining and entertainment; 1× on other purchases; transfers to multiple airline partners.
Notes for Filipinos
Strong for flyers using carriers like Singapore Airlines or Etihad. No foreign transaction fees.
Learn more
Discover it® Miles
Key benefits
1.5× miles on all purchases. Discover matches all miles earned in year one for new cardholders.
Notes for Filipinos
Great intro offer. Acceptance can be limited in parts of Asia, so pair with a Visa or Mastercard.
Learn more
Tip: rotate your phone to landscape to compare two cards side by side.
Card Name Key Benefits Notes for Filipinos
Chase Sapphire Preferred Learn more Great for travellers: 5× points on travel booked via Chase Travel, 3× on dining, and 2× on other travel worldwide; strong travel insurance and no foreign transaction fees. Points can be transferred to airline partners; ideal for those who travel internationally and can meet the minimum spend.
Capital One Venture Learn more 2× miles on every purchase; Global Entry or TSA PreCheck credit; no foreign transaction fees. Straightforward rewards; useful for online shopping abroad and paying for streaming subscriptions like Netflix or Disney+.
American Express Gold Learn more 4× points at restaurants, including food delivery; 4× at U.S. supermarkets up to US$25,000 per year; 3× on flights; dining credits and concierge. Widely accepted in major hotels, malls and restaurants; acceptance may be limited at small merchants in the Philippines.
Citi Premier Learn more 3× points on air travel and hotels, 2× on dining and entertainment, 1× on other purchases; points transfer to multiple airline partners. Good for frequent flyers using airlines like Singapore Airlines or Etihad; no foreign transaction fees.
Discover it® Miles Learn more 1.5× miles on all purchases; Discover doubles all miles earned in the first year for new cardholders. Great introductory offer; acceptance is limited in Asia, so pair it with a Visa or Mastercard.

Neutral Technical View: These cards represent major issuers that regularly offer high bonuses and no foreign transaction fees. Some cards like the Amex Gold have higher annual fees, which are offset by dining and airline credits. Always evaluate total costs and benefits.

Devil’s Advocate: U.S. issuers can change their rewards structures without notice. Annual fees may erode your savings if you don’t maximise benefits. Some cards require excellent credit scores or U.S. residency, so eligibility can be a hurdle.

Constructive Strategic Takeaway: Diversify your portfolio if you can manage multiple cards. Pair a travel-focused card (e.g., Chase Sapphire Preferred) with a flat-rate card (e.g., Capital One Venture). Avoid cards with high annual fees unless you are sure to redeem credits fully.

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