Best UnionBank Credit Cards for Small Business Owners

Best UnionBank Credit Cards for Small Business Owners in the Philippines

💼 Why Small Business Owners Need the Right Credit Card

Running a small business in the Philippines often means juggling expenses — supplies, marketing, deliveries, and even employee needs. For many entrepreneurs, a UnionBank credit card isn’t just a spending tool — it’s a partner that helps manage cash flow, track expenses, and even earn rewards along the way.

If you’re new to using credit cards for business, don’t worry — this guide will help you understand which UnionBank credit card fits your needs, what benefits you’ll enjoy, and how to apply with confidence.

🏆 Top UnionBank Credit Cards for Small Business Owners

1. UnionBank Platinum Mastercard

Best for: Business owners who travel or shop often
The UnionBank Platinum Mastercard is a great fit for entrepreneurs who deal with both local and international suppliers. It offers flexibility, convenience, and powerful protection features.

Highlights:

Flexible payment options for larger business purchases
Worldwide acceptance for supplier payments or travel
Free travel insurance up to ₱10 million
24/7 concierge service for reservations and bookings

Ideal for: Entrepreneurs who handle client meetings, trade trips, or supplier payments abroad.
Annual fee: Around ₱3,000
Minimum income requirement: ₱60,000/month

2. UnionBank Gold Mastercard

Best for: Small business owners looking for rewards and flexibility
This is one of the most balanced cards for everyday business transactions — from office supplies to online ads.

Highlights:

Earn 1 point per ₱35 spent
Convert points to cash rebates or air miles
Travel and purchase protection included
Accepted globally, ideal for suppliers abroad

Ideal for: Business owners who want to maximize rewards from regular spending.
Annual fee: ₱2,500
Minimum income requirement: ₱40,000/month

3. UnionBank Miles+ Card

Best for: Entrepreneurs who travel frequently for business
If you regularly attend trade shows or supplier meetings abroad, this card helps you earn miles faster and adds premium travel protection.

Highlights:

Earn 1 mile per ₱25 spent
Free travel insurance up to ₱10 million
Airport lounge access
Low mile conversion rate

Ideal for: Business owners who travel at least a few times a year for work.
Annual fee: ₱3,000
Minimum income requirement: ₱50,000/month

4. UnionBank Visa Gold

Best for: Building credit history for business owners
If you’re new to using a credit card, the UnionBank Visa Gold is a safe, starter-friendly option that helps build your credit score while offering basic perks.

Highlights:

Earn reward points on every spend
Installment options for business purchases
Fraud protection and easy online monitoring
Simple requirements for first-time cardholders

Ideal for: New entrepreneurs or those transitioning from personal to business use.
Annual fee: ₱2,000
Minimum income requirement: ₱30,000/month

5. UnionBank Visa Infinite Card

Best for: Established business owners with high spending volume
This premium card offers elite benefits and unmatched convenience for executives or business owners managing multiple expenses.

Highlights:

Earn 1.5 miles per ₱25 spent abroad
Unlimited airport lounge access
Luxury hotel and travel perks
Concierge services and global privileges

Ideal for: High-income entrepreneurs or corporate owners.
Annual fee: ₱6,000
Minimum income requirement: ₱120,000/month

💳 Why Business Owners Should Use a Credit Card

Even for small enterprises, having a credit card brings control and benefits:

Better cash flow management – Pay expenses now, settle later.
Expense tracking – Every transaction appears in your monthly statement.
Earn rewards or miles – Turn everyday expenses into business perks.
Build credit history – Helps when applying for bigger loans in the future.
Access to promos – Discounts on supplies, gas, or travel services.

🧮 Estimate Your Card Expenses

Before choosing a card, it’s smart to estimate how much it will cost you yearly — including annual fees and interest, if any.

💡 Use the Credit Card Cost Calculator to compute how much your chosen card may cost, and how you can balance your rewards against annual fees or charges.

⚙️ How to Apply for a UnionBank Credit Card

Applying for a UnionBank credit card is simple and beginner-friendly.

Basic Requirements:

Filipino citizen or resident
At least 18 years old
Valid government-issued ID
Proof of income (payslip, ITR, or business permit)

For Business Owners:

DTI or SEC Registration
Latest Audited Financial Statement (AFS) or bank statements
Minimum monthly income depending on the card

Application Process:

Choose your preferred card type.
Prepare your documents.
Apply online or at any UnionBank branch.
Wait for evaluation and approval (usually within a few days).

💡 Pro tip: Maintain good cash flow records and avoid unpaid debts — these increase your chance of approval.

⚠️ Common Mistakes to Avoid

Mixing personal and business expenses – Use your card strictly for business to keep accounting clear.
Missing payments – Late fees and interest can hurt both your credit score and your business.
Overusing your limit – Keep usage below 30–40% of your limit.
Ignoring annual fees – Make sure the card’s benefits exceed its cost.
Not reviewing statements – Always check for errors or fraudulent charges.

🧾 TL;DR — Quick Summary

Card	Best For	Key Feature	Annual Fee
Platinum Mastercard	Frequent travelers	Global coverage + insurance	₱3,000
Gold Mastercard	Reward seekers	Flexible rewards	₱2,500
Miles+ Card	Business travelers	Earn miles fast	₱3,000
Visa Gold	Starters	Easy approval	₱2,000
Visa Infinite	Established owners	Premium perks	₱6,000

💡 Use the Credit Card Cost Calculator to find which one fits your business spending and income best.

🙋‍♂️ Frequently Asked Questions (FAQs)

1. Can small business owners apply for a UnionBank credit card?
Yes! As long as you meet the income and document requirements, business owners can apply even if self-employed.

2. Which UnionBank card is best for new business owners?
The UnionBank Gold Mastercard or Visa Gold are ideal for starters because of lower income requirements and easy approval.

3. Can I use a personal credit card for business?
Yes, but it’s better to use one dedicated to business expenses for clearer accounting and easier tracking.

4. How do I manage expenses using a credit card?
Use the monthly statement as your built-in tracker, and pay on time to avoid interest.

5. What if my business income is irregular?
You can still apply — just provide supporting documents like your DTI registration and average monthly bank statement.

✅ Final Tip:
A UnionBank credit card can be more than just plastic — it’s a business tool that helps you manage costs, earn rewards, and even expand your operations. The right card lets you work smarter, spend wisely, and grow your small business with financial confidence.