More and more Filipinos are beginning to understand that credit cards offer more than just convenience. In the right situations, they can also be powerful tools for elevating your lifestyle without negatively impacting your finances.
The key to successfully doing this is to pay attention to the credit card rewards that are now available on the market. For instance, picking a cashback credit card might allow you to enjoy savings on your most common purchases, giving you much more for your money than simple cash transactions.
If you count yourself among the growing number of Filipinos with a Landers Superstore membership, the Landers Cashback Everywhere Credit Card is the perfect way to get more value from your day-to-day spending. This special Maya credit card gives Landers Members up to 5% cashback on purchases at Landers stores, expanding on the already-generous membership discounts. What’s more, it also gives 2% cashback on dining as well as 1% on other qualified purchases*.
Whether you end up with the Landers Cashback Everywhere Credit Card or some other card that offers special cashback or credit card points, it helps to understand how you can take full advantage of it. Here are a few tried and tested methods to reap the full rewards of your next credit card:
1. Choose the Right Card for Your Spending Habits
This is the single most important consideration for getting the most use out of your rewards-based credit card. If you frequently shop at Landers Superstores, for example, the Landers Cashback Everywhere Credit Card is the clear choice because of the effortless discounts and perks it can give you. This card is especially beneficial if you also like trying out new restaurants or if you love online shopping since the card offers generous cashback for transactions related to these activities.
In any case, spend a couple of hours reviewing your spending habits and checking the credit card options that are available to you. With some planning, you should land on a card that better suits your needs.
2. Pay Your Balance in Full Every Month
To fully benefit from your credit card rewards, try to pay off your entire bill each month. Yes, part of the benefit of a credit card is indeed the ability to space out big purchases. However, the interest charges that come with installment payments can easily negate the value of any rewards you earn. If you qualify for a Landers Cashback Everywhere Credit Card, simply use the Maya App to view and pay off your credit card balance.
3. Understand the Card’s Reward Structure
Take the time to understand how your credit card’s reward system works. The Landers Cashback Everywhere Credit Card, for example, offers generous cashback rates depending on where you spend, with a generous cashback cap of up to 200K cashback annually. This is much higher than what other cashback credit cards offer, and thus, you’re sure to get the most out of your spending. This exclusive Maya credit card provides Landers members with up to 5% cashback on purchases made at Landers, adding even more value to their membership discounts. Plus, it includes 2% cashback on dining and 1% on other eligible purchases. However, certain spending categories are not covered, so be sure to be aware of these.*
4. Consolidate Your Spending
As mentioned, there are situations where you’d want to consider having multiple rewards-based credit cards. However, sticking with a single credit card for most of your purchases is often the better strategy to accumulate rewards more quickly, especially if that card has no annual fees. For instance, using your Landers Cashback Everywhere Credit Card most or all of the time allows you to build up your rewards faster, letting you enjoy up to 5% cashback at Landers when you reach a minimum total credit card spend of PHP 50,000. If you’re already a Landers member, this 5% cashback makes it more worth your while to purchase the things you need at Landers Superstores and maximize your card’s benefits.
5. Leverage Bonus Categories and Promotions
Many credit cards offer bonus rewards for specific spending categories or during promotional periods. For the Landers Cashback Everywhere Credit Card, follow Maya and Landers on social media and sign up for notifications so that you stay informed about these special promotions. This will make it easier to adjust your spending to maximize your cashbacks and other rewards during these times.
6. Redeem Rewards Strategically
When possible, don’t rush to redeem your rewards as soon as they become available. Instead, keep accumulating them until you can redeem them for higher-value purchases. This strategy can help you stay goal-oriented and help you get more from your cashback rewards.
7. Monitor Your Spending and Rewards Balance
To avoid unwelcome surprises on your next billing statement, Make it a habit to check your credit card statements and rewards balance. This will make it easier to plan your next purchases and rewards redemptions and help keep your finances stable. If you have a Landers Cashback Everywhere Credit Card, finding your statements and reward balance is as easy as checking your Maya App.
Experience the Best of Landers with the Landers Cashback Everywhere Credit Card
The Landers Cashback Everywhere Credit Card can be your key to more savings, perks, and truly world-class living. If you’re an active Landers Superstore member, this exclusive Maya credit card may be the best tool out there for stretching your budget and getting more out of life. Sign up now to earn up to 5% cashback on every purchase and to experience better shopping at Landers Superstores.
*Transactions that don’t qualify include: cash in, cash advance, quasi cash purchases, casinos and gambling, fuel, supermarket, pharmaceuticals, utilities, telco, and government.
