Which credit card has the lowest exchange rate if you're going to use it in the US? BPI? BDO? Visa/Mastercard?
dont just look for the exchange rate. you should actually check the additional charges they put in. definitely do not use citibank. BDO, metrobank and BPI seems to give lower rates. i think eastwest also gives good rates
CitiBank is ok as long as you keep up with the payment schedule for your purchases...
My MetroBank Mastercard CC has had no problems since I had it 25 years ago - it's been accepted in all the places I've been to, both local and international.
My most problematic card was a Visa CC from BDO... I have had to have it replaced twice because of unauthorized purchases from places that I've never been to. the charges were reversed but it took about 3 months before the amount was credited back. I eventually gave it up when CitiBank sent me a Visa Card (which was actually puzzling since I never applied for it).