Cashback credit cards have become a popular tool for savvy shoppers looking to make their money work harder for them. These cards offer a percentage of one’s spending back as cash rewards and can thus help the user save on everyday purchases. Indeed, when you’re doing your groceries, dining out, or shopping online, a well-chosen cashback credit card can unlock opportunities to boost your savings over time.
One such card is the Maya Landers Cashback Everywhere Credit Card, which stands out in the Philippines for its versatility and value. This card comes with no annual fees and generous cashback rates, including up to 5% cashback on purchases made at Landers Superstores, 2% on dining, and 1% on other qualified purchases.* Its impressive suite of features has quickly made it the best rewards credit card for those looking to maximize their rewards. This card offers exceptional benefits, particularly for Landers members, and is designed to seamlessly integrate with the Maya app, as well as Maya’s wide array of other financial services.
But the true power of a cashback card shines during sale seasons and shopping holidays. These periods offer a perfect storm of discounts and promotions, providing shoppers with the chance to multiply their savings. Black Friday, Christmas sales, and mid-year shopping festivals are the perfect time to use a cashback card, stretch your budget further, and rack up those credit card points. In this article, we’ll share expert tips on how you can maximize your cashback credit card rewards during these peak shopping periods.
Combine Cashback Portals and Offers
Shopping online already has its perks, but did you know that using cashback portals can double your rewards? Many websites offer cashback when you shop through these special portals, so you can accumulate additional savings on top of what your credit card earns. After selecting your desired items and applying any available discount codes, simply check if a cashback portal offers additional rebates. This way, you can compound your rewards and make your purchases more rewarding without spending any extra.
Monitor Special Cashback Promotions
Shopping holidays don’t just net you retailer discounts—your credit card may also have extra rewards on offer. Credit card providers, including Maya, often run special promotions during sale periods, offering bonus cashback or higher rates for specific categories of spending. Keep an eye on Maya’s promotional emails or the app’s notifications to stay updated on when to take advantage of these offers. In addition to the sale prices, you could earn even more cashback simply by timing your purchases right.
Maximize Bonus Categories
Many cashback cards offer rotating bonus categories where you can earn higher cashback rates. During sale seasons, planning your shopping to align with these categories can lead to substantial rewards. For example, if you plan to do your grocery shopping or bulk purchases at Landers, you can earn cashback on all your transactions with no minimum spends. Spending more can get you as much as 5% cashback, so sales are ideal opportunities to make those larger purchases from Landers that you’ve been holding off on.
Use Cashback Apps When Shopping at Physical Stores
In-store shopping doesn't have to mean missing out on cashback rewards. Certain apps offer cashback for in-store purchases, as long as your credit card is linked. Take advantage of these services and you can earn additional rewards while making everyday purchases at your favorite retailers. Whether you're shopping for clothes or grabbing a quick bite to eat, these apps allow you to seamlessly accumulate cashback without changing your shopping habits. Just link your Maya card to your app of choice, and watch your rewards add up.
Stack Cashback with Discount Codes
Savvy shoppers know that a discount code can shave a significant amount off your total, but did you know you can stack those savings with cashback rewards? Online retailers often allow customers to apply promo codes, which allow them to save money while also earning cashback from their credit cards. This means you’re essentially getting two levels of savings in one transaction. If you’re using the Maya Landers Cashback Everywhere Credit Card, this combination can be particularly powerful during sale events, as you not only benefit from lower prices but also continue to earn cashback rewards on each purchase.
Save Big Purchases for Sale Season
Timing is everything when it comes to big-ticket purchases. Waiting for sales before you buy items like electronics, appliances, or furniture can pay off in more ways than one. During special days and sales periods like 11.11 Christmas Day, Valentine’s Day, back-to-school season, or Mother’s Day, retailers usually offer major discounts, and pairing these deals with a cashback card allows you to maximize your savings even more. When you plan your purchases around these high-traffic shopping times, you can effectively stack discounts, cashback, and promotional offers to get the most out of every peso spent.
Redeem Rewards Strategically
Earning cashback is only part of the strategy—redeeming it smartly is where the real value lies. Different cashback cards have different redemption options, from statement credits to gift vouchers. With the Maya Landers Cashback Everywhere Credit Card, for instance, you can redeem cashback points for a discount on your Landers bill. Plan your redemptions to align with future purchases so that you maximize the impact of those rewards. Rather than rushing to redeem points as soon as you earn them, save them for a time when they’ll provide the greatest benefit, such as during a major sale.
A sound strategy for maximizing your cashback rewards is a must-have during sale season. With the tips above in your pocket, you can turn every shopping opportunity into a chance to earn more rewards. Ready to start? Apply for the Maya Landers Cashback Everywhere Credit Card today and take full advantage of every peso you spend.
*Transactions that don’t qualify include: cash in, cash advance, quasi cash purchases, casinos and gambling, fuel, supermarket, pharmaceuticals, utilities, telco, and government.
