rcbc flex visa travel insurance

Eligibility & Requirements:

• This benefit is available to Principal and Supplementary Cardholders of the following RCBC Credit Cards: Visa Infinite, Visa Platinum, Hexagon Club, Black & Diamond Platinum Mastercard, YGC Rewards Plus Platinum Mastercard, JCB Platinum, UnionPay Diamond, Flex Gold Visa & Flex Visa, Gold & Classic Mastercard, Gold & Classic JCB, Co-Brands: ZALORA, Landmark Anson’s, and MANGO.
• Must be 18 to 70 years old.
• Period of Cover: Maximum of 15 days per trip.
• Must have purchased international travel tickets such as airfare, cruise, or tour packages through a travel agency originating from the PHILIPPINES using an eligible RCBC Credit Card.
• Complimentary Travel Insurance is extended to two family members when the Cardholder purchases their tickets with an eligible RCBC Credit Card. Spouses and parents up to 64 years old and children and siblings (unmarried and unemployed) up to 21 years old are eligible.

Terms and Conditions apply.

Please provide the following: (Maximum of 2 family members ONLY) *Note that the eligible age for Legitimate Spouse/Parents is 18-64 years old and 1-21 years old for Children/Siblings, unmarried and unemployed.

Family Member 1 Information

Family Member 2 Information

Kindly review all your details before submitting.

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RCBC Flex Gold The Ultimate Guide to Maximizing Your Credit Card Benefits

Welcome to the ultimate guide to maximizing your credit card benefits with RCBC Flex Gold Card. Whether you’re a seasoned credit card user or new to the world of plastic money, this guide will provide you with valuable insights on how to make the most out of your RCBC Flex Gold Card.

With RCBC Flex Gold Card, you not only have the convenience of a credit card, but also a range of exclusive benefits that can enhance your lifestyle and save you money. From travel perks to cashback rewards, this card offers a variety of ways to make the most of your spending.

One of the key benefits of RCBC Flex Gold Card is its generous rewards program. With every purchase you make, you earn points that can be redeemed for a wide range of rewards, including cashback, air miles, and gift certificates. Whether you’re using your card for everyday expenses or big-ticket purchases, every swipe gets you closer to your desired reward.

But the benefits don’t stop there. RCBC Flex Gold Card also offers travel perks that can make your vacations even more enjoyable. From airport lounge access to travel insurance, this card has you covered. Plus, with the ability to convert your points into air miles, you can book flights and enjoy incredible destinations without breaking the bank.

So whether you’re a frequent traveler, a shopaholic, or someone looking to get the most out of your credit card, RCBC Flex Gold Card is your ticket to a world of benefits. In this guide, we’ll explore the different ways you can maximize your credit card benefits, provide tips and tricks on how to make the most of your rewards, and help you navigate the world of credit card perks like a pro.

Table of Contents

What is RCBC Flex Gold?

RCBC Flex Gold is a credit card offered by RCBC Bankard that provides a wide range of benefits and rewards to cardholders. It is designed to meet the needs and preferences of individuals who want flexibility in managing their finances and maximizing their credit card benefits.

With RCBC Flex Gold, cardholders can enjoy various perks such as cash back rewards, flexible payment options, and access to exclusive deals and discounts. The card comes with a generous credit limit, allowing cardholders to make bigger purchases and meet their financial obligations conveniently.

Using the RCBC Flex Gold credit card, cardholders can earn cash back rewards on their purchases. The cash back rewards can be redeemed for statement credits, allowing cardholders to offset their outstanding balance or use the rewards for future purchases.

In addition to cash back rewards, RCBC Flex Gold also offers flexible payment options, giving cardholders the freedom to choose how they want to settle their credit card bills. Cardholders can choose to pay in full or on installment terms, depending on their financial capability and preferences. This flexibility helps cardholders manage their finances more effectively and avoid unnecessary interest charges.

Furthermore, RCBC Flex Gold provides exclusive deals and discounts at partner merchants, giving cardholders access to a wide array of perks and privileges. These deals can range from discounts on shopping, dining, and travel to exclusive access to events and promotions.

In summary, RCBC Flex Gold is a credit card that offers a range of benefits and rewards to cardholders, including cash back rewards, flexible payment options, and access to exclusive deals and discounts. It is designed to provide flexibility in managing finances and maximizing credit card benefits, making it an ideal choice for individuals who value convenience and rewards.

Benefits of RCBC Flex Gold Credit Card

The RCBC Flex Gold credit card offers a wide range of benefits to its cardholders. Here are some of the key advantages you can enjoy with this card:

1. Generous Rewards Program: With the RCBC Flex Gold credit card, you can earn reward points for every purchase you make. These points can be redeemed for various items, such as airline miles, hotel stays, and shopping vouchers.

2. Flexible Payment Options: This credit card provides flexible payment options, allowing you to choose between paying the minimum amount due or the full balance. You can also split your transactions into installment payments, making it easier to manage your expenses.

3. Cash Advance Facility: The RCBC Flex Gold credit card allows you to withdraw cash from ATMs worldwide, giving you instant access to funds when you need them. This feature can be especially useful in emergency situations.

4. Travel Benefits: If you are a frequent traveler, the RCBC Flex Gold credit card provides several travel perks. These include complimentary airport lounge access, travel insurance coverage, and exclusive discounts on flights and hotel bookings.

5. Discounts and Privileges: With the RCBC Flex Gold credit card, you can enjoy exclusive discounts and privileges at partner merchants, restaurants, and entertainment establishments. This can help you save money on your everyday expenses and enhance your overall lifestyle.

6. Security and Protection: RCBC Flex Gold offers advanced security features, such as RFID technology and SMS alerts, to protect against unauthorized transactions. It also provides insurance coverage for lost or stolen cards, giving you peace of mind while using your card.

7. Worldwide Acceptance: The RCBC Flex Gold credit card is accepted worldwide, making it a convenient payment option when you travel abroad. You can use it to make purchases, dine at restaurants, and withdraw cash wherever Mastercard is accepted.

With these benefits, the RCBC Flex Gold credit card is not only a convenient payment tool but also a valuable financial asset. It can help you save money, enjoy exclusive privileges, and enhance your overall lifestyle.

How Does RCBC Flex Gold Credit Card Work?

The RCBC Flex Gold credit card offers a wide range of benefits and features that can help you make the most out of your purchases and manage your finances effectively. Here’s how it works:

• Application Process: To get an RCBC Flex Gold credit card, you need to submit an application and provide the required documents. Once your application is approved, you will receive your credit card.
• Credit Limit: RCBC will assign you a credit limit based on your income and creditworthiness. This credit limit determines the maximum amount of money you can spend using your credit card.
• Interest Rates: The RCBC Flex Gold credit card offers competitive interest rates, making it more affordable for you to make purchases and pay them off over time. However, it’s important to remember that interest charges will apply if you don’t fully pay your balance by the due date.
• Rewards Program: The RCBC Flex Gold credit card comes with a rewards program that allows you to earn points for every purchase you make using your card. These points can be redeemed for various rewards such as cash rebates, airline miles, or merchandise.
• Discounts and Promotions: RCBC offers exclusive discounts and promotions to Flex Gold credit cardholders. This can include discounts on dining, shopping, travel, and more. By taking advantage of these offers, you can save money on your everyday expenses.
• Flexible Payment Options: RCBC provides flexible payment options, allowing you to pay your credit card bills in full or in installments. This flexibility gives you more control over your finances and helps you manage your cash flow effectively.
• Security Features: The RCBC Flex Gold credit card is equipped with advanced security features to protect your card from fraud and unauthorized use. These include EMV chip technology, secure online transactions, and SMS alerts for suspicious activities.
• Mobile App: RCBC provides a mobile app that allows you to manage your credit card account conveniently. With the mobile app, you can check your balance, view your transactions, pay your bills, and more.

Overall, the RCBC Flex Gold credit card offers a range of benefits and features that can enhance your shopping experience, help you save money, and manage your finances efficiently. It’s important to use your credit card responsibly and make timely payments to avoid any negative consequences.

Eligibility Requirements

To be eligible for an RCBC Flex Gold credit card, you must meet the following requirements:

Meeting these eligibility requirements will ensure that you can apply for an RCBC Flex Gold credit card and take full advantage of its benefits and features.

Credit Limit and Available Features

When it comes to credit cards, one of the most important factors to consider is the credit limit. The credit limit is the maximum amount of money that you can borrow using your credit card. The RCBC Flex Gold credit card offers a generous credit limit to its cardholders, which can be tailored to their financial needs and income.

With a high credit limit, you have more flexibility in managing your finances and making purchases. You can use your RCBC Flex Gold credit card to pay for your everyday expenses, such as groceries, dining out, and utilities. Additionally, the credit limit also determines the availability of various features and benefits offered by the card.

The RCBC Flex Gold credit card comes with a range of features and benefits that make it a valuable tool for managing your finances. Some of the available features include:

• Rewards Program: Earn reward points for every eligible transaction made using your RCBC Flex Gold credit card. These points can be redeemed for a variety of exciting rewards, such as travel vouchers, shopping discounts, and more.
• Installment Plans: Take advantage of flexible installment plans to spread out the cost of your purchases over a period of time. With low monthly interest rates, you can enjoy the convenience of paying for large expenses without straining your budget.
• Balance Transfer: Consolidate your credit card debts and enjoy lower interest rates with the balance transfer feature. This allows you to transfer your outstanding balances from other credit cards to your RCBC Flex Gold credit card, making it easier to manage your payments.
• Travel Insurance: Get peace of mind when traveling with complimentary travel insurance coverage. This coverage includes benefits such as travel accident insurance, medical expense reimbursement, and lost luggage insurance.
• Mobile App: Manage your RCBC Flex Gold credit card conveniently with the RCBC mobile app. You can easily check your balance, view your transactions, and make payments using your mobile device.

By utilizing the features and benefits offered by the RCBC Flex Gold credit card, you can make the most of your credit limit and enhance your overall credit card experience. Whether you’re looking to earn rewards, simplify your payments, or enjoy additional perks, this credit card provides the flexibility and convenience you need.

Understanding the Different Types of Credit Card Transactions

When it comes to using your credit card, there are several different types of transactions you should be aware of. Understanding these transactions can help you make smarter financial decisions and maximize the benefits of your RCBC Flex Gold credit card.

1. Purchase Transactions: These are the most common type of credit card transactions. When you make a purchase using your credit card, the amount is charged to your card and you will be required to pay it off at a later date. It’s important to keep track of your purchases to ensure you can pay off the balance when it’s due.

2. Cash Advance Transactions: If you need cash in a pinch, you can use your credit card to withdraw cash from an ATM. However, cash advance transactions usually come with high fees and interest rates, so it’s best to avoid them if possible. If you do need to take out a cash advance, make sure you pay it off as soon as possible to minimize interest charges.

3. Balance Transfer Transactions: If you have a balance on another credit card with high interest rates, you can transfer the balance to your RCBC Flex Gold credit card at a lower interest rate. This can help you save money on interest payments and pay off your debt faster. Be sure to read the terms and conditions of the balance transfer offer to understand any fees or promotional interest rates that may apply.

4. Instalment Transactions: Some purchases allow you to split the cost into smaller monthly instalments. This can be a convenient option for larger purchases like electronics or furniture. However, keep in mind that there may be interest charges associated with instalment plans, so be sure to read the terms and conditions carefully before committing to one.

5. Foreign Currency Transactions: If you’re traveling abroad or making a purchase in a foreign currency, your RCBC Flex Gold credit card can be a convenient payment option. However, keep in mind that most credit cards charge a foreign currency conversion fee, so it’s important to check the charges and compare them to other payment options before making a purchase.

6. Recurring Transactions: Many bills, subscriptions, and memberships can be set up to be automatically charged to your credit card on a regular basis. This can be a convenient way to manage your finances, but it’s important to review these transactions regularly to ensure you’re not being charged for services you no longer need or want.

In conclusion, understanding the different types of credit card transactions can help you make informed decisions and maximize the benefits of your RCBC Flex Gold credit card. By knowing when and how to use your card, you can take advantage of rewards programs, avoid unnecessary fees, and manage your finances more effectively.

Purchases and Cash Advances

With the RCBC Flex Gold card, you can enjoy the convenience of making purchases and cash advances both locally and internationally. Whether you’re shopping for groceries, booking flights, or dining out, your RCBC Flex Gold card is a versatile tool that allows you to make payments hassle-free.

When you use your RCBC Flex Gold card for purchases, you can earn rewards points that can be redeemed for exciting rewards such as air miles, gift certificates, and cash rebates. For every eligible transaction, you will earn 1 reward point for every PHP 36 spent. So, the more you spend, the more rewards you can earn!

In addition to earning rewards, your RCBC Flex Gold card offers you a wide range of exclusive privileges and discounts at partner establishments. From discounts at restaurants and hotels to special offers at retail stores, your RCBC Flex Gold card opens up a world of opportunities for savings and rewards.

Aside from making purchases, your RCBC Flex Gold card also allows you to withdraw cash advances. Cash advances can be a convenient way to access cash when you need it the most. Whether you’re traveling and need local currency or facing an emergency, your RCBC Flex Gold card has got you covered.

However, it’s important to keep in mind that cash advances usually come with higher interest rates compared to regular purchases. So, it’s always advisable to pay off your cash advances as soon as possible to avoid accumulating high interest charges.

So, whether you’re making purchases for your everyday needs or need cash in a pinch, the RCBC Flex Gold card is the perfect financial companion that offers you maximum versatility and benefits.

Balance Transfers and Installment Payments

RCBC Flex Gold offers convenient options for managing your credit card debt through balance transfers and installment payments. These features allow you to consolidate your outstanding balances from other credit cards or loans into your RCBC Flex Gold credit card, providing you with a more consolidated and manageable payment plan.

With a balance transfer, you can transfer the outstanding balance from another credit card or loan to your RCBC Flex Gold credit card. By doing so, you can take advantage of lower interest rates or promotional offers, saving you money in the long run. It also allows you to have a single, consolidated monthly payment, making it easier to keep track of your finances.

Installment payments are another useful feature offered by RCBC Flex Gold. If you have a large purchase or expense, you have the option to convert it into an installment plan. This allows you to spread out the cost over several months, making it more affordable and manageable. You can choose from various installment terms and interest rates, depending on your preference and financial situation.

Both balance transfers and installment payments provide you with greater financial flexibility and control over your credit card debt. They can help you save on interest charges and make your payments more manageable. To utilize these features, simply contact RCBC customer service or visit their website to learn more and initiate a transfer or conversion.

It is important to note that while these features can be helpful, it is still essential to manage your credit card usage responsibly. Make sure to keep track of your expenses, pay your bills on time, and use credit wisely to avoid accumulating excessive debt. By maximizing the benefits of your RCBC Flex Gold credit card, you can better manage your finances and achieve your financial goals.

Maximizing Rewards and Benefits

When it comes to credit card usage, one of the key factors to consider is the rewards and benefits that come with it. RCBC Flex Gold offers a range of rewards and benefits that can help you get the most out of your credit card.

One way to maximize your rewards is by understanding how the point system works. With RCBC Flex Gold, you earn points for every eligible transaction you make using your credit card. These points can then be redeemed for a variety of rewards, including cash rebates, airline miles, and merchandise. By using your credit card for everyday purchases and paying off the balance in full each month, you can accumulate points quickly and take advantage of the rewards.

In addition to the point system, RCBC Flex Gold also offers various benefits that can enhance your overall credit card experience. These benefits include travel insurance coverage, purchase protection, and extended warranty. Travel insurance coverage provides you with peace of mind when you travel, as it offers protection against unexpected events such as trip cancellations or lost luggage. Purchase protection ensures that your purchases are protected against damage or theft, and extended warranty extends the manufacturer’s warranty on eligible purchases.

To make the most of these benefits, it’s important to familiarize yourself with the terms and conditions of each. For example, travel insurance coverage may have certain limitations or exclusions, so it’s important to understand what is covered and what is not. By knowing the details of each benefit, you can take full advantage of them and maximize your credit card experience.

Another way to maximize your rewards and benefits is by taking advantage of promotions and offers. RCBC Flex Gold frequently offers promotions that allow you to earn bonus points or enjoy exclusive discounts at partner establishments. By keeping an eye out for these promotions and taking advantage of them, you can further enhance your rewards and benefits.

Lastly, it’s important to regularly review your credit card statements and rewards program to ensure that you are maximizing your rewards and benefits. By monitoring your transactions and redeeming your points in a timely manner, you can ensure that you are getting the most value out of your credit card.

In conclusion, maximizing your rewards and benefits with RCBC Flex Gold is possible by understanding the point system, utilizing the various benefits, taking advantage of promotions and offers, and regularly reviewing your credit card statements. By doing so, you can make the most of your credit card usage and enjoy the rewards and benefits it offers.

Earning Reward Points

Earning reward points with your RCBC Flex Gold credit card is easy and simple. Every time you make a purchase using your card, you will earn reward points based on the total amount spent. The more you use your card, the more reward points you will earn.

RCBC Flex Gold offers a generous rewards program that allows you to earn reward points on a wide range of transactions. From grocery shopping to dining out, from booking flights to paying bills online, your everyday purchases can add up to valuable reward points.

To maximize your reward points, be sure to take advantage of bonus point promotions and partner offers. RCBC often partners with various retailers and service providers to offer special promotions that allow you to earn extra reward points. Keep an eye out for these promotions and take advantage of them to boost your reward point earnings.

Another way to earn reward points is by referring a friend to apply for an RCBC Flex Gold credit card. For every successful referral, you will earn bonus reward points. This is a great way to not only earn more reward points but also introduce your friends to the benefits of the RCBC Flex Gold credit card.

Once you have accumulated a significant amount of reward points, you can redeem them for a variety of exciting rewards. RCBC offers a wide selection of redemption options, including gift vouchers, merchandise, travel packages, and even cash rebates. You can choose the reward that best suits your preferences and enjoy the fruits of your reward point earnings.

Remember, the key to maximizing your reward points is to use your RCBC Flex Gold credit card for all your everyday expenses. By doing so, you will not only earn valuable reward points but also enjoy the convenience and security of using a credit card for your transactions.

Redeeming Reward Points

One of the best features of the RCBC Flex Gold credit card is the ability to earn and redeem reward points. Every purchase you make using your card earns you reward points, which can be accumulated and later redeemed for a variety of exciting rewards.

To redeem your reward points, log in to your RCBC online banking account and navigate to the rewards section. Here, you will find a wide range of options for redeeming your points, including merchandise, gift vouchers, travel packages, and more.

When redeeming your reward points, it’s important to consider their value and how best to maximize them. Some rewards may offer better value for your points than others, so take the time to compare options and choose wisely.

You can also convert your reward points into airline miles, allowing you to enjoy discounted or even free flights. This is a great way to save on travel expenses and make the most of your credit card benefits.

Remember that reward points have an expiration date, so it’s important to use them before they expire. Check the terms and conditions of your credit card to understand the validity period of your reward points and plan your redemptions accordingly.

Additionally, keep an eye out for special promotions and offers that may allow you to earn bonus reward points or redeem them at a discounted rate. These promotions can significantly enhance the value of your reward points and make your credit card experience even more rewarding.

In conclusion, redeeming reward points with your RCBC Flex Gold credit card is a fantastic way to make the most of your credit card benefits. With a variety of options available and the ability to earn and redeem points with every purchase, you can enjoy exciting rewards and savings in various aspects of your life.

Tips for Responsible Credit Card Usage

Using a credit card can be a convenient way to make purchases and manage your finances. However, it’s important to use your credit card responsibly to avoid debt and maintain a good credit score. Here are some tips for responsible credit card usage:

• Pay your balance in full and on time each month. This will prevent you from accruing interest charges and help you avoid debt.
• Stick to a budget and only charge what you can afford to pay off. It’s easy to overspend with a credit card, so it’s important to be disciplined and only make purchases that fit within your budget.
• Monitor your credit card statements regularly. Check for any unauthorized charges or errors and report them to your credit card company immediately.
• Avoid cash advances. Cash advances often come with high fees and interest rates, so it’s best to avoid using your credit card for cash transactions.
• Avoid maxing out your credit card. Maxing out your credit card can negatively impact your credit score. Try to keep your credit card utilization below 30% of your credit limit.
• Don’t apply for too many credit cards. Each time you apply for a new credit card, it can temporarily lower your credit score. Only apply for credit cards when you really need them.
• Read the terms and conditions of your credit card agreement. Make sure you understand the interest rates, fees, and any other important terms before using your credit card.
• Use credit card rewards to your advantage. Many credit cards offer rewards programs that can earn you cash back, travel points, or other benefits. Take advantage of these rewards, but be mindful of any associated fees.
• Protect your credit card information. Keep your credit card and PIN numbers secure and be cautious when making online purchases or giving out your credit card information over the phone.
• Regularly review your credit report. Check your credit report for any errors or signs of identity theft. Reporting any issues promptly can help protect your credit score and financial well-being.

By following these tips, you can use your credit card responsibly and make the most of its benefits while avoiding debt and maintaining a healthy credit score.

Paying Your Bills on Time

One of the most important things you can do to maximize your credit card benefits is to pay your bills on time. Late payments can result in late fees, higher interest rates, and a negative impact on your credit score. Here are some tips to help you stay on top of your payments:

Set up automatic payments: Consider setting up automatic payments for your credit card bills. This way, you won’t have to worry about missing a payment deadline or incurring any late fees. Just make sure you have enough funds in your bank account to cover the payment.

Pay more than the minimum amount due: While it’s important to pay at least the minimum amount due on your credit card bill, paying more than the minimum can help you pay off your balance faster and save on interest charges.

Keep track of your due dates: Make a note of all your credit card payment due dates and set reminders on your phone or computer. This will help you stay organized and ensure that you never miss a payment.

Use online or mobile banking: Take advantage of online or mobile banking to easily keep track of your credit card payments and balances. This can help you monitor your spending and ensure that you have enough funds to pay your bills on time.

Consider a balance transfer: If you have a high-interest credit card balance, consider transferring it to a card with a lower interest rate. This can help you save on interest charges and pay off your debt more quickly.

Communicate with your card issuer: If you are unable to make a payment on time, it’s important to communicate with your card issuer. They may be able to offer you a payment extension or work out a payment plan to help you avoid late fees or credit score damage.

By paying your bills on time, you can maximize the benefits of your RCBC Flex Gold credit card and maintain a positive credit history. Remember to budget your expenses and manage your credit wisely to ensure financial stability.

Monitoring Your Credit Card Usage

Monitoring your credit card usage is an important part of managing your finances. By keeping track of your card activity, you can see where your money is going and make sure you stay within your budget.

Here are some tips for effectively monitoring your credit card usage:

• Check your statement regularly: Review your credit card statement every month to identify any unauthorized transactions or errors. This will help you detect any fraudulent activity and ensure that you are only paying for the purchases you actually made.
• Sign up for alerts: Many credit card issuers offer email or text alerts that notify you of important account updates, such as large transactions or approaching credit limit. By signing up for these alerts, you can stay informed about your card activity in real-time.
• Use online banking: Take advantage of your credit card issuer’s online banking platform to access your account information anytime, anywhere. Online banking allows you to view your recent transactions, check your balance, and track your spending patterns conveniently.
• Review your credit score: Your credit score is a reflection of your creditworthiness and is determined by factors such as your payment history, credit utilization, and length of credit history. Regularly checking your credit score can help you monitor your overall financial health and make necessary adjustments to improve it.
• Set spending limits: Establishing spending limits for different categories, such as groceries, dining, and entertainment, can help you stay on track with your budget. By monitoring your spending against these limits, you can identify areas where you may need to cut back and allocate funds more effectively.

By monitoring your credit card usage regularly and taking proactive steps to manage your finances, you can maximize the benefits of your credit card and maintain a healthy financial situation.

Troubleshooting and Frequently Asked Questions

If you encounter any issues or have questions regarding your RCBC Flex Gold credit card, refer to the following troubleshooting guide and frequently asked questions:

If your specific issue or question is not addressed above, reach out to RCBC customer service for personalized assistance.

Common Issues and Solutions

Using a credit card like RCBC Flex Gold can come with its fair share of issues. However, with a little knowledge and some simple solutions, you can navigate through these problems and make the most of your credit card benefits. Here are some common issues you may encounter and ways to resolve them:

• Issue 1: Unauthorized charges on your statement

Solution: If you notice any unauthorized charges on your statement, immediately contact RCBC’s customer service to report the issue. They will investigate the matter and assist you in resolving the unauthorized charges. Make sure to monitor your statements regularly and report any suspicious activity promptly.

• Issue 2: Declined transactions

Solution: If your transaction is declined, it could be due to various reasons such as insufficient funds, credit limit reached, or a technical issue. Check your credit card balance and make sure you have enough funds to cover the purchase. If the problem persists, contact RCBC’s customer service for further assistance.

• Issue 3: Difficulty redeeming rewards

Solution: If you are having trouble redeeming your credit card rewards, ensure that you are following the correct redemption process. Read the terms and conditions of the rewards program to understand the eligibility criteria and redemption methods. If you still face difficulties, contact RCBC’s customer service for guidance.

• Issue 4: High-interest rates

Solution: If you are struggling with high-interest rates on your RCBC Flex Gold credit card, consider making timely payments to avoid accruing interest charges. You can also explore options like balance transfers or negotiating with the bank for a lower rate. It is essential to manage your credit card spending wisely to avoid excessive interest charges.

• Issue 5: Lost or stolen card

Solution: In case you lose your RCBC Flex Gold credit card or it gets stolen, immediately report it to RCBC’s customer service. They will block your card and guide you through the process of getting a replacement card. Take precautions to protect your card and personal information to prevent unauthorized use.

By being aware of these common issues and their solutions, you can make your RCBC Flex Gold credit card experience smoother and more beneficial. Remember to stay vigilant, monitor your transactions, and take proactive steps to resolve any problems that may arise.

Question-answer:

What are the benefits of the rcbc flex gold credit card.

The RCBC Flex Gold credit card offers a range of benefits including cashback rewards, flexible repayments, travel insurance coverage, and exclusive deals and privileges from partner establishments.

How can I earn cashback rewards with the RCBC Flex Gold credit card?

You can earn cashback rewards by using your RCBC Flex Gold credit card for everyday purchases. The more you use your card, the more cashback you can earn.

What are the travel insurance benefits provided by the RCBC Flex Gold credit card?

The RCBC Flex Gold credit card provides travel insurance coverage for up to ₱5 million for you and your immediate family members. This coverage includes medical expenses, trip cancellation or curtailment, and personal accident insurance.

Are there any fees or charges associated with the RCBC Flex Gold credit card?

Yes, there are fees and charges associated with the RCBC Flex Gold credit card. These include an annual fee, finance charges for revolving credit, cash advance fees, and foreign transaction fees. It is important to review these fees and charges before applying for the card.

Can I enjoy exclusive deals and privileges with the RCBC Flex Gold credit card?

Yes, as an RCBC Flex Gold credit cardholder, you can enjoy exclusive deals and privileges from partner establishments. These may include discounts, special offers, and other perks that are not available to non-cardholders.

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Credit Card Activation BPI A Step-by-Step Guide to Activating Your BPI Credit Card

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RBC ® Travel Insurance

Taking a trip see if your rbc ® credit card covers you..

In just a few minutes, you can see what travel insurance you have on your RBC credit card, whether you have enough coverage for your trip, or if you need to buy additional coverage. It’s that simple!

See what travel insurance coverage your card has:

Required Information

Which RBC credit card did you use to pay for the full cost of your trip?

Good news! Your card has some travel insurance coverage.

Your card provides some valuable travel insurance coverage for you and other covered persons (opens modal window) .

Covered Persons

Covered Persons refer to you (the cardholder), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Covered Persons refer to you (the card applicant), your spouse and your dependent child/children who travel with you or join you and/or your spouse on the same trip. Plus, if your card includes Trip Cancellation and Interruption insurance your dependent children who are age 16-24 can travel on their own (without you or your spouse) and be covered for Trip Cancellation and Interruption. (Note: children under 16 travelling on their own are not covered). Co-applicants and authorized users are also covered but their spouse and dependent children are not covered. Other travellers on the same trip are not covered under your credit card travel insurance coverage.

Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Summary of Your Card’s Coverage

• Under age 65: Unlimited coverage Disclaimer 1 for first fifteen (15) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first three (3) consecutive days of your trip

Out of Province/Country Emergency Medical Insurance

This insurance covers reasonable and customary expenses, in excess of any medical expenses payable by your government health insurance plan or any other insurance plan, for emergency treatment medically required during your trip as a result of a medical emergency.

This is a summary only. All travel insurance is subject to limitations and exclusions. Refer to the credit card Certificate of Insurance for complete coverage details, limitations and exclusions.

Trip Cancellation Insurance

This insurance protects eligible cardholders against the cost of non-refundable prepaid travel arrangements if the trip is cancelled prior to your departure, due to a covered reason. For this coverage to be effective, you must have purchased your prepaid travel arrangements with your RBC ® credit card and/or Avion ® points.

Trip Interruption Insurance

Flight delay insurance.

If you miss your connecting flight, are denied boarding or your flight is delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary expenses you may have (for example, a hotel room or restaurant meals) as long as you have checked in with the air carrier and you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Delayed Baggage Insurance

If your checked baggage is lost or delayed, this insurance reimburses you, up to a certain maximum, for reasonable and necessary emergency purchases that you need, as long as you paid for your airline ticket with your RBC ® credit card and/or Avion ® points.

Hotel/Motel Burglary Insurance

If you need to repair or replace personal property that has been damaged or lost due to a burglary of your hotel/motel room or cruise cabin and you are a registered guest, this insurance reimburses you, up to a certain maximum, as long as you paid for your hotel/motel room or cruise cabin with your RBC ® credit card and/or Avion ® points.

Travel Accident Insurance

This insurance covers you for accidental bodily injury or death if you are injured during an accident that occurs while you are travelling on a common carrier (such as a passenger plane) as long as you paid for these transportation arrangements with your RBC ® credit card and/or Avion ® points before departing on your trip.

Auto Rental Collision/Loss Damage Waiver Insurance

When you pay for the entire cost of the rental vehicle using your RBC ® credit card and/or Avion ® points, this Insurance covers you and/or a rental agency for loss/damages to eligible rental vehicles up to the actual cash value of the damaged or stolen rental vehicle. The length of time you rent the same vehicle must not exceed forty-eight (48) consecutive days.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Certificate of Insurance (opens PDF in new window) for complete details.

Legal Disclaimer 1) Unless otherwise noted in the Certificate of Insurance, the maximum benefit for emergency medical insurance is unlimited.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Platinum Certificate of Insurance (opens PDF in new window) for complete details.

Lost/Stolen Baggage

We will pay the covered person for loss or damage to owned baggage and personal effects used for the personal use of the covered person while in transit as checked-in baggage or carried on board the air carrier when the full cost of the airline ticket is paid with your RBC ® credit card and/or Avion ® points.

All insurance is subject to limitations and exclusions. Download the RBC ® Avion ® Visa Infinite Business ‡ Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Business Certificate of Insurance (opens PDF in new window) for complete details.

• Under age 65: Unlimited coverage Disclaimer 1 for first thirty one (31) consecutive days of your trip
• Age 65+: Unlimited coverage Disclaimer 1 for first seven (7) consecutive days of your trip

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Avion Visa Infinite Privilege for Private Banking Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC Rewards ® Visa ‡ Preferred Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® U.S. Dollar Visa ‡ Gold Certificate of Insurance (opens PDF in new window) for complete details.

All insurance is subject to limitations and exclusions. Download the RBC ® British Airways Visa Infinite ‡ Certificate of Insurance (opens PDF in new window) for complete details.

Next Step: Tell us who is travelling so we can give you an accurate quote.

Who do you want to get a quote for?

Why we ask: Since your credit card’s travel insurance covers you, your spouse and/or your dependent children, your quote will calculate the coverage you already have on your card—saving you money!

Why we ask: Since your credit card’s travel insurance does not cover travellers other than you (the cardholder), your spouse and/or your dependent children, your quote for these travellers will not factor in your credit card coverage.

Tip: You will need to get a quote and buy travel insurance for other eligible travellers separately so that we can give you an accurate quote for everyone.

Eligibility

To be eligible for this insurance coverage, a traveller must be:

• A client of the RBC companies or a spouse or child of a client
• A Canadian resident (applicable for Emergency Medical Insurance coverage)

Travel Insurance coverage is not included on your card, but we can cover you!

Although the card you used to purchase your trip does not include coverage, you can get a quote and buy affordable travel insurance now.

We are unable to determine the travel insurance coverage on your card

We can help make sure you’re protected financially every time you travel with affordable trip cancellation and interruption insurance, emergency medical insurance and more. Get a quote and buy affordable travel insurance now.

Rediscover the infinite joys of shopping and travel with RCBC Visa Infinite Credit Card

By Ching M. Alano, The Philippine STAR Published Nov 25, 2022 5:00 pm

As the days grow shorter and the nights longer and colder, you know 'tis the season to shop for Christmas gifts for loved ones and friends. Having hunkered down at home these past two Christmases, it's beginning to look a lot like a merry, post-COVID-19 Christmas this year with a deluge of people raring to go out, shop, dine, and, yes, travel!

It certainly won't be a blue Christmas as we rediscover the infinite joys of shopping, traveling, and earning rewards with the RCBC Visa Infinite Credit Card because we deserve only the best that life can offer.

The new, enhanced RCBC Visa Infinite Credit Card, the first and only RCBC credit card with a metal core and eye-catching, mechanically engraved elements, brings together RCBC credit card's product innovation and Visa's global acceptance network.

Spend more, earn more

Specially designed for highly discerning clients, the RCBC Visa Infinite Credit Card is loaded with a lot more benefits. First off, with your newly approved RCBC Visa Infinite Credit Card, you get a welcome treat of up to 110,000 bonus rewards points. Just spend at least P60,0000 within 60 days from card delivery date.

Here's more: There's a lower required card spend to earn points—every P30 card spend earns one rewards point. You get 3x more rewards points for local online purchases and 5x more rewards points on overseas in-store and online purchases. And since these rewards points don't expire, you can collect and exchange them later for air miles, shopping vouchers, cash credits, donations to your favorite charitable institutions, etc.

The more you use your RCBC Visa Infinite Credit Card, the more rewards points you rack up. With your accumulated 12 months' spend of at least P1M, you'll receive 20,000 bonus rewards points every year.

With international borders opening up as pandemic restrictions ease up, we're seeing travel taking flight again. Now, with your RCBC Visa Infinite Credit Card, you're in for the most rewarding travel experience of your life. For starters, AIG Philippines Insurance, Inc., together with Visa, provides a higher insurance coverage of up to US$100,000 per international trip, as well as complimentary travel insurance even for local trips of up to US$50,000.

Just charge it and enjoy!

Charge your local or international travel purchase (airfare, cruise tickets, tour package) to your RCBC Visa Infinite Credit Card and enjoy a whole world of perks. Your journey begins with a complimentary Priority Pass membership that gives you VIP access to 1,300 world-class airport lounges around the globe. Here, you (the principal cardholder plus one travel companion) get free unlimited access to the Marhaba/Skyview Airport Lounge, located at the Ninoy Aquino International Airport, Terminal 3, where you can relax, enjoy the international cuisine and the scenic ambience while waiting for your flight.

Enjoy preferential rates on airport and transport premium services, such as 20%  off on airport transfer service 24/7 in key cities worldwide, 25% off on Airport Fast Track immigration service at over 450 destinations worldwide, and up to 30-percent off on car rental services.

If you're looking for a place to stay, look no further. With your RCBC Visa Infinite Credit Card, you can enjoy unsurpassed value at over 900 Visa Luxury Hotel Collection properties around the world—from charming boutique hotels to celebrated, posh hotels and resorts, including hotel brands such as Mandarin Oriental, Park Hyatt, Aman Resorts, and Six Senses Resorts. You're guaranteed the best available rate and best-in-class service and benefits, such as VIP guest status; automatic room upgrade upon arrival, when available; complimentary breakfast for two; US$25 food or beverage credit; late checkout upon request, when available, among others.

Your premium lifestyle card

The RCBC Visa Infinite Credit Card is your top-of-the-line lifestyle card that lets you travel in style and comfort. For instance, now you can enjoy the utmost convenience of Visa Concierge, your 24/7 thoughtful, digital personal assistant and lifestyle guide that's there to help you with assorted matters such as: seamless reservations for dining with exclusive offers and privileges, health and medical services, entertainment (like helping you get tickets to a play or a concert), recommendations on staycations as well as local and global activities, gift and shopping assistance.

With digital shopping now the trend, the RCBC Visa Infinite Credit Card gets you e-commerce purchase protection of up to US$1,000 per claim per year for possible losses on online purchases, which includes non-delivery, wrong or incomplete delivery or physical damage to delivered item at the time of delivery. Now, you can sleep with added peace of mind, knowing that your online purchases are insured.

What about extending your credit card benefits to a family member or a trusted friend? With the RCBC Visa Infinite Credit Card, you can have a maximum of nine free-for-life supplementary cardholders.

For RCBC Wealth Management clients, the annual membership fee of P6,000 is waived.

All this in one credit card? With the RCBC Visa Infinite Credit Card, the infinite joys of living await!

To apply for the RCBC Visa Infinite Credit Card, talk to an RCBC wealth relationship manager or visit any RCBC branch. You can also apply digitally at rcbccredit.com .

Editor’s Note: BrandedUp is designed to provide you with insightful, inspiring and educational content created by PhilSTAR L!fe in collaboration with brands like  RCBC Credit .

TAGS: BrandedUp RCBC Visa Infinite Credit Card

Ching M. Alano, The Philippine STAR

Contributing Writer

Ching likes to say she’s an “old hand at newspapering.” She was with the Philippine Star for three decades, among other newspapers.

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Thrifty Hustler

Hustling Towards Financial Independence

RCBC Bankard Visa Platinum Review

June 11, 2020 by Thrifty Hustler  

I have had my RCBC Bankard Visa Platinum credit card for exactly 10 months now and it will be due for renewal in two months. I got it when I applied via the credit card agent I chanced upon a shopping mall.

I have already used this card for my local offline and online shopping . I have also used this card for booking flight tickets and hotels online. I have not yet used it though for international travel because it is not permitted recently due to the pandemic outbreak.

So, probably I will have the chance to try it for international purchases by the end of this year or the first quarter of next year depending on how the situation goes. I will update this post once I get the chance to travel internationally.

Update 10/26/20: I already have discontinued this card after getting the confirmation that the annual fee for the next year will not be waived.

Having said that, I will not be updating this article anymore. Please check RCBC’s website for updated information.

Note to Readers: Please be advised that the information written here is valid as of the time of writing but may have been updated by the time you see/read this post. Please refer to the linked RCBC web pages to get the updated details. If the links are not working by the time you see the article, please go to the RCBC’s homepage instead.

Table of Contents

Advantages of Owning an RCBC Bankard Visa Platinum?

Earning Miles

The best news is – Miles are non-expiring and you can convert your Preferred Airmiles to:

• Mabuhay Miles
• GetGo Points
• AirAsia Big Points

1 Preferred Airmile is equivalent to 1 Asia Mile/Mabuhay Mile/GetGo Point/BIG Point.

You can earn 1 Preferred Airmile for every:

• P25 on Overseas Transactions (Non-service merchants / Retail / Online)
• P48 on Domestic Transactions (Non-service merchants / Retail / Online)
• P125 on Service Merchants (i.e. supermarket, gas, drugstore)
• P250 on Utility Bills Payment

It’s not the best spend to mile ratio out there. I find my other credit card – Citi PremierMiles to be better when it comes to the spending to mile ratio. However, I didn’t sign up for RCBC for the miles conversation. I signed up with them for the Free Airport Lounge Access.

Free Airport Lounge Access

Oh, man! If you frequently travel locally via airlines that fly out of Terminal 1 and 3 then you will love this card. RCBC Bankard Visa Platinum offers unlimited free airport lounge access to the Skyview Airport Lounge (T1) and The Club Manila Lounge(T2) for the Principal cardholder plus one travel companion.

How I wish that there’s also an airport lounge at the domestic airport where Air Asia flies out from and this will be perfect!

Aside from having unlimited access to local airport lounges at T1 and T3, you also get a complimentary Priority Pass™ membership to access over 1,300+ airport VIP lounges worldwide.

Please note though that it’s a free membership and does not cover the usage fee or visit fee which amounts to $27 per use.

The Standard Membership Fee for Priority Pass™ as of the time of writing is $99. So essentially, you’re saving $99 annually by having this card.

If you travel frequently then the airport lounge access benefit is already an awesome reason enough to get this card.

Visa Concierge Services

This is one of the underrated free services that are not exclusive to RCBC but we oftentimes do not use it. I personally have not tried using the Visa Concierge Services yet but will try doing so once travel is permitted.

With Visa Concierge Services, you can avail of these services 24/7 anywhere in the world:

• Flight Reservations
• Hotel Reservations
• Restaurant Reservations
• Car Rental Reservations
• Event Ticket Purchases
• Trip Planning
• Other General Requests

Free Travel Insurance

If you have an RCBC Bankard Visa Platinum, you are entitled to comprehensive travel insurance coverage worth up to Php5 Million which provides the following insurance benefits:

• Accidental Death, Dismemberment, and/or Disablement
• Recovery of Travel Expenses for Emergency Trip Cancellation
• Recovery of Travel Expenses for Emergency Trip Termination
• Travel Inconvenience Benefits like Baggage Delay and Flight Delay
• Emergency Medical Treatment for Accident or Sickness
• Car Rental Protection
• Sports Activities Extension

Please note that the travel insurance plan depends on the amount of tickets purchased using your RCBC card:

• For tickets purchased at P24,999 and below, you get a travel insurance plan coverage of P1 Million.
• For tickets purchased at P25,000 to P39,999, you get a travel insurance plan coverage of P3 Million.
• For tickets purchased at P40,000 and above, you get a travel insurance plan coverage of P5 Million.

Please note that just like any other Free Travel Insurance offered by any other credit card provider, terms and conditions apply. 

Bonus Travel Limit

This feature means that you can (if approved) avail of a temporary increase of up to 100% in your credit limit during the travel period with a maximum cap of bonus Travel limit up to P500,000 or US$10,000, if Dollar card.

You will have to call RCBC or email them in order to avail of this feature. Once a request is accepted, you will be evaluated based on:

• Payment history, not delinquent/ suspended/ over limit during the time of call
• RCBC Bankard credit card should be in the cardholder’s possession and not expired.
• No increase in credit limit in the last 6 months.
• Should be at least a year cardholder.

Please note that the Bonus Travel limit is temporary and shall revert to the regular limit once the travel period concludes.

RCBC Bankard UNLI 0%  and  UNLI Installment

This is not a feature exclusive to RCBC Bankard Visa Platinum but I’ve decided to include this because (1) it’s an awesome feature/service and (2) I just availed this service this week (as of the time of writing).

Basically, this service means you can avail of a  0% installment for 3 months via UNLI 0% or longer payment terms up to 36 months with minimal interest rate via UNLI Installment .

Notifications on Log In

Another thing that I love about my RCBC card is this simple notification service that I get on my SMS and Email every time I do a transaction and even as simple as when I log in to the RCBC Bankard website. It makes me feel safer having this kind of feature.

Waived Annual Fee on the First Year

This is another benefit that I find very appealing for any new credit card – a free annual fee for the first year. It makes it very easy to decide to try out a new card and see if it fits your needs.

Disadvantages of Owning an RCBC Bankard Visa Platinum?

P5,000 annual membership fee.

You get tons of credit card benefits with RCBC Bankard Visa Platinum, however, the annual fee is a bit steep. The first-year membership fee is waived so if you want to try it out then it’s almost a risk-free decision for anyone.

However, once your renewal is due, then you might think twice about maintaining the card because of the annual membership fee. If you’re a frequent flyer then for sure, this card is worth the annual membership fee.

No Mobile App Yet

This is not really a big disadvantage but rather, just a small inconvenience. Almost, all major credit card providers have a mobile app nowadays to provide more convenience to their customers.

RCBC Bankard needs to be accessed via the traditional website. I don’t know if this is already in the pipeline in the succeeding months since a lot of their competitors have mobile apps already.

Will I keep my RCBC Bankard Visa Platinum?

If the annual fee for my second year will be waived, then definitely. But if not, I will have to think about it. I will definitely avail of another premium RCBC Bankard credit card to replace this if I decide not to keep this credit card. But for now, I’m really happy to have this card.

Should you try it?

Definitely! It’s almost a risk-free decision if you ask me because the first-year annual membership fee is waived.

Click here if you want to learn more about the RCBC Bankard Visa Platinum

Related Posts:

• 10 Things I Wish I Knew Before I Applied for my First Credit Card
• How to Keep Your Credit Card Safe
• Should You Get a Credit Card or Not?

Do you also have an RCBC Bankard Visa Platinum Credit Card ? feel free to share your tips and suggestions in the comment section below.

Thank you for visiting Thrifty Hustler: I hope you find value in reading my blog posts. If you liked and enjoyed this article please support this blog by sharing it! You can also follow me on Facebook , Twitter , Pinterest , and Instagram or you can get my updates straight to your email by subscribing. 

If you're new here. please check my Start Here page to help you with the navigation. You can also check out my Recommendations page if you wish to see the products and services that I use and that I recommend. Most of the links on that page are my affiliate links and I will earn some commission at no extra cost to you if you use any of my affiliate links. Thank you in advance!

And also, please be advised that posts here are based on my own opinion and personal experience and should not be taken as a recommendation to buy and sell investments, products, services, etc. Please do your own due diligence before making any financial decisions or before purchasing from any links from this blog. Please see my full disclosure  here .

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• Flex Gold Visa

The card packed with rewarding benefits to help you achieve your life goals.

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• Get 2x Rewards in three preferred categories! Choose from GROCERY, GAS, TRAVEL, DEPARTMENT STORE, or HOUSEHOLD APPLIANCES. Switch preferred categories once every billing cycle. Plus, earn Rewards Points for all your other spending anywhere!
• Exchange them for shopping vouchers, redeem them as cash rebates, use them as cash credit to your deposit account, or as donations to charitable institutions. Want free flights? Just enroll in the AIRMILES Program . The choice is yours!
• Free Travel Insurance (Travel Plus Lite) & Purchase Protection when you charge all your international travel-related needs to your card
• Access to PAGSS Lounge in Terminals 1 & 3

Features & Benefits

Unli Installment

Convert your straight purchases to installment for up to 36 months.

Spend Monitor

Get real-time SMS advisories on your credit card spending.

Pay anyone, anytime via real-time funds transfer using your RCBC Credit Card!

Spend Analyzer

Keep track of all your credit card transactions.

Fast BillsPay

Experience hassle-free and rewarding bills payment.

Balance Conversion

Convert your statement outstanding balance to installment.

Enjoy worry-free shopping with 0% installment for up to 36 months.

Balance Transfer

Consolidate your credit card bills in one card.

EMV Chip Technology

Enjoy the benefit of the chip technology that will help increase security and reduce fraud.

Shop Secure

Get One-Time Password (OTP) for your online purchases.

Web Shopper

Enjoy online shopping convenience and security.

Free Travel Insurance & Purchase Protection

Get the assurance and protection you need when travelling abroad.

Access to World-Class Airport Lounges

Relax and freshen yourself before your flight in modern & cozy lounges with complimentary snacks & beverages and convenient facilities such as free WiFi, charging, shower room & more.

0% Installment on Purchases Abroad

Convert all your purchases abroad to installment!

Bonus Travel Limit

Get the spending power you need during your travel.

International Acceptance

Get instant access to cash anywhere in the world.

Rewards Points

Earn Rewards Points that you can redeem in so many ways.

Fly for free to your dream destination sooner.

Take the extra cash you need for your future plans.

Get cash on top of your available credit limit!

How to Apply

1. Choose a Card

Choose the right RCBC Credit Card for you.

2. Apply Online

Accomplish the online application form, submit documentary requirements and digitally verify yourself.

3. Verification

We’ll get in touch with you to verify some information on your application.

4. Card Delivery

You will get a notification once your card is on its way to you!

You can also apply at any RCBC branch or RCBC Credit Card sales booths.

• You must be 21-65 years old to qualify as a Principal Cardholder.
• You must be 13-65 years old to qualify as a Supplementary Cardholder.
• You must have a mobile number and landline in your place of work.

Requirements for Employees

• Completely filled-out and signed application form
• A copy of one (1) valid ID with photo and signature (i.e. UMID, Passport, Driver's License)
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*Processing of credit card applications may take from 10 to 15 banking days

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Find the best credit card for you

Here are the 3 best chase balance transfer credit cards of 2024, save money with these chase credit cards that offer 0% introductory aprs on balance transfers..

Credit card interest rates are often higher than other financial products like personal loans or mortgages so it's best to pay off your credit card balance in full every month . However, that isn't always possible so many people may wind up with high-interest credit card debt. In these situations, taking advantage of a 0% balance transfer offer can reduce the interest you pay and help you pay off your credit card debt more quickly.

Chase is known for issuing some top travel credit cards , but it also has several cards that offer an intro 0% APR for balance transfers. Consider these Chase balance transfer credit cards if you're hunting for a balance transfer offer. (See our methodology for information on how we chose the best Chase balance transfer credit cards).

Best Chase balance transfer credit cards

• Best for long intro APR: Chase Slate Edge℠
• Best for cash back: Chase Freedom Unlimited®
• Best for rotating bonus categories: Chase Freedom Flex℠

Best for long intro APR

Chase slate edge℠, welcome offer.

Get an automatic review for a credit limit increase when you pay on time and spend $500 in your first six months.

0% for 18 months from account opening on purchases and balance transfers

Regular APR

20.49% - 29.24% variable

Balance transfer fee

Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign transaction fee

Credit needed.

Excellent/Good

Member FDIC. Terms apply. Information about the Chase Slate Edge℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

• No annual fee
• Lower your interest rate by 2% each year: Automatically be considered for an APR reduction when you pay on time, and spend at least $1,000 on your card by your next account anniversary
• 3% foreign transaction fee
• No rewards program

Who's this for? The Chase Slate Edge℠ does one thing, and it does it well — reduce the interest you pay. Its longer-than-usual introductory APR offer makes it ideal for those seeking more time to pay off their balance.

Balance transfer offer : New cardholders are eligible for an intro 0% APR on eligible balance transfers and purchases for 18 months from account opening, then a 20.49% to 29.24% variable APR applies. This is one of the longest intro APR offers available and is especially useful since it applies to purchases, too.

An intro balance transfer fee of either $5 or 3% of the amount of each transfer (whichever is higher) applies to transfers completed in the first 60 days of account opening. After that, the balance transfer fee is $5 or 5% of the amount of each transfer (whichever is higher).

[ Jump to more details ]

Best for cash back

Chase freedom unlimited®.

Enjoy 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 3% cash back on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

Welcome bonus

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

0% for the first 15 months from account opening on purchases and balance transfers

3% of each transaction in U.S. dollars

Member FDIC. Terms apply.

Read our Chase Freedom Unlimited® review.

• Rewards can be transferred to a Chase Ultimate Rewards card
• Generous welcome bonus
• 3% fee charged on foreign transactions

Who's this for? The Chase Freedom Unlimited® is geared toward those who want to earn cash back on their everyday spending and still want access to a helpful intro APR offer.

Balance transfer offer : New card members receive an intro 0% APR for purchases and balance transfer for the first 15 months, after that a variable 20.49% to 29.24% APR applies. For the first 60 days of account opening, there's an intro balance transfer fee of 3% of the amount of each transfer ($5 minimum). After that, a standard balance transfer fee of $5 or 5% of the amount of each transfer applies, whichever is greater.

Best for rotating bonus categories

Chase freedom flex℠.

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards®, 3% on drugstore purchases and on dining (including takeout and eligible delivery services), 1% cash back on all other purchases

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Member FDIC. Terms apply. Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Read our Chase Freedom Flex℠ review.

• Opportunity to earn up to 5% cash back in select categories upon activation
• Bonus categories must be activated each quarter

Who's this for? The Chase Freedom Flex℠ is a great card for anyone who enjoys squeezing the most value out of their credit card thanks to its generous rotating quarterly bonus categories.

Balance transfer offer : New cardholders can take advantage of a 0% intro APR for the first 15 months on purchases and balances transfer, then a 20.49% to 29.24% variable APR applies. An intro balance transfer fee of either $5 or 3% of the amount of each transfer applies to transfers completed in the first 60 days. After that, the standard balance transfer fee is 5% of the amount of each transfer or $5, whichever is greater.

More on our top Chase balance transfer credit cards

The Chase Slate Edge℠ is a no annual fee card with several features that can help you pay less interest, but doesn't earn rewards.

Get an automatic review for a higher credit limit when you pay on time and spend $500 in the first six months.

Notable perks

With the Chase Slate Edge , you are automatically considered for a 2% APR reduction if you pay your monthly bill on time and spend at least $1,000 on the card before your next account anniversary (terms apply). While you'll want a plan to pay off your balance transfer before the interest kicks in, this feature can help you lower your APR compared to what you might pay with other credit cards.

This card's insurance benefits include purchase protection, extended warranty protection, roadside dispatch and rental car collision and theft coverage (secondary in the U.S.).

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The Chase Freedom Unlimited® is one of CNBC Select's top no-annual-fee cash-back credit cards with a unique intro bonus and a handful of useful benefits to complement its cash-back earnings.

• 6.5% cash back on travel booked through Chase Travel
• 5% back on Lyft rides (through Mar. 31, 2025)
• 4.5% cash back on dining
• 4.5% cash back at drug stores
• 3% cash back on all other purchases (on up to $20,000 spent in the first year)

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year).

Cardholders can earn 5% cash back on Lyft rides through March 2025 and enroll for three complimentary months of DashPass (activate by Dec. 31, 2024). Purchases are also covered by a range of built-in protections like rental car collision damage insurance (secondary in the U.S.), extended warranty coverage, purchase protection and trip cancellation and interruption insurance.

While this is a cash-back credit card , you can boost the value of the rewards you earn by pairing this card with a Chase card that allows points transfers (such as the Chase Sapphire Preferred® Card ). By transferring the rewards you earn to travel partners like World Hyatt, United MileagePlus and Air Canada Aeroplan, you can potentially book luxury hotels and flights for fewer points.

The Chase Freedom Flex℠ packs a punch with generous rewards in bonus categories that change every quarter and an easy-to-earn welcome bonus.

• 5% cash back on the first $1,500 spent in categories that change each quarter, then 1% cash back (activation required)
• 5% cash back on travel booked through Chase Ultimate Rewards®
• 3% cash back on dining
• 3% cash back at drug stores
• 1% cash back on all other purchases

Earn a $200 bonus after spending $500 on purchases in the first three months from account opening. 

Cardholders receive discounts and special perks with partners like Lyft and DoorDash. There are also many valuable built-in protections for a no-annual-fee card, including:

• Cell phone insurance
• Rental car insurance (secondary in the U.S.)
• Extended warranty coverage
• Purchase protection
• Trip cancellation and interruption insurance

When you have a Chase card that unlocks the ability to transfer Chase points to hotel and airline partners (like the Chase Sapphire Preferred® Card) , it increases the value of the Freedom Flex. So this isn't only a strong standalone rewards credit card , but it has synergies with other cards.

How to complete a Chase balance transfer

Chase typically charges a balance transfer fee from 3% to 5% with a $5 minimum. Before you complete a balance transfer , be sure the interest you save will outweigh the fee.

There are several ways to do a balance transfer with Chase. One of the best and easiest options is to complete a balance transfer when you apply for a card. When you do this, you'll be able to make the most out of your intro APR because any 0% interest timeframe you qualify for begins when you open the card.

If you want to perform a balance transfer with a Chase card you already have, you'll need to log in to your account and follow these steps:

• Click "Pay & Transfer"
• Then click on the "Transfer" dropdown menu
• Select "Card balance transfers"

You can then select any of your Chase cards from a dropdown menu and see what balance transfer offers are available.

Are Chase balance transfers worth it?

When you make a balance transfer, you'll generally pay a fee of 3% to 5% of the balance. To determine whether a balance transfer is worth it, calculate how much you would save in interest compared to how much you'd pay in transfer fees.

What is one disadvantage of a 0% interest balance transfer card?

Aside from the balance transfer fees, the biggest downside to a balance transfer is you'll have the same amount of credit card debt as before. If you don't have a plan, or the resources, to pay off your debt before the intro APR expires, you'll be stuck paying interest once again.

Do balance transfers hurt your credit?

A balance transfer doesn't directly hurt your credit score and could help improve your credit if you're able to pay down your debt. However, you'll want to keep in mind that your credit score will temporarily dip when you apply for new credit (including a balance transfer card).

Bottom line

The top balance transfer cards Chase issues offer intro APR periods of 15 to 18 months, and these intro APR offers also apply to purchases, making them even more useful. If you're interested in paying less interest , these are some of the best offers available. When you're in credit card debt, your primary focus should be repayment, not earning rewards, but the fact that some of the cards on this list earn rewards is a nice bonus.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best Chase balance transfer credit cards.

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Our methodology

To determine which Chase cards are best for balance transfers, CNBC Select analyzed the Chase credit cards with intro APR balance transfer offers. We compared each card on a range of features, including the annual fee, rewards, welcome bonus and balance transfer fee. We also considered additional perks, consumer protections, the application process when available and how easy it is to redeem rewards. However, when you're in credit card debt, your priority should be repayment, so we focused more on the cards that provide consumers with the cheapest ways to pay off their debt rather than the number of rewards they could potentially earn.

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