Credit cards can be more than just a convenient way to buy stuff online or pay for groceries. If you pick the right cashback credit card, you can even get effortless savings on almost every purchase, potentially making using credit cards a smarter choice than just relying on cash alone.
As Filipino buyers get wiser about the benefits of credit card rewards, Maya offers a card that promises cashback everywhere. The Landers Cashback Everywhere Credit Card is fast becoming one of the most desired credit cards for Filipino shoppers, with its generous rewards and other consumer-focused features.
Wherever you are in your financial journey, it’s good to know what to look out for when picking a rewards-based credit card. Juggling multiple credit cards can be inconvenient and can even temporarily leave you with a weaker credit rating. As much as possible, you want to limit yourself to just one card that does everything you need to. Try the following recommendations so that you have the best cashback rewards card for your current lifestyle:
1. Identify Your Spending Patterns
Think about what you spend on the most and where you spend it. If you’re already a member of an exclusive shopping club, you may already be getting most of your groceries through your membership. In this case, it makes sense to get a credit card that lets you get cashback on your shopping club purchases, such as the Landers Cashback Everywhere Credit Card. Once you’ve identified your spending patterns, you can easily pick an offer that gives you credit card points or rewards that you can actually use.
2. Assess Cashback Rates and Qualifications
If you do choose a cashback card, try to compare the rates across different categories. The best cards offer higher rates for purchases that you already regularly make. The Landers Cashback Everywhere Credit Card is well-liked for its generous cashback rates on everyday transactions, with up to 5% cashback for purchases at Landers Superstores, 2% on dining, and 1% on all other qualified purchases.*
3. Check for Caps on Cashback Earnings
Some credit cards limit the amount of cashback you can earn in a given period. These limits aren’t always clear from the start, so you’ll want to watch out for them so you can align your choice with your everyday spending habits. Smart shoppers will find much to love in the Landers Cashback Everywhere Credit Card, thanks in part to the generous PHP 200,000 cashback cap and its wide range of qualified purchases.
4. Look for Cards with Minimal Annual Fees
Cashbacks are great, but typical annual fees will sometimes offset these rewards, making some cards less compelling. Make sure that the card you pick has annual fees that are well below your expected cashback earnings. The Landers Cashback Everywhere Credit Card offers zero annual fees, meaning you won’t be burdened with extra costs when you earn cashback on every purchase.
5. Look for Additional Perks
Beyond cashback, some cards provide extra benefits such as exclusive discounts. Again, Maya leads the pack with the physical Landers Cashback Everywhere Credit Card doubling as a Landers membership card, providing both savings and convenience in shopping.
6. Review Each Card’s Cashback Redemption Options
Some credit card providers may restrict the types of purchases you can use your cashback on while others make the redemption process complicated. With the Landers Everywhere Cashback Credit Card, the cashback redemption is very convenient as your cashback rewards are directly deducted from your Landers bill the next time you shop at Landers
7. Be Wary of Interest Rates
Be mindful of interest rates associated with different cards, as carrying a balance can quickly deplete any benefits you gain from cashback rewards. If you want to use up more of your credit limit, you should choose a card with reasonable rates and strive to pay your balance in full each month to avoid interest charges.
Maya lets you manage your Landers Cashback Everywhere Credit Card over the Maya App, giving you full visibility over your finances. The card is also designed to have transparent payment terms designed to help you manage your finances responsibly.
Earn More Cashback Rewards with Every Dip and Tap
Getting the right cashback rewards credit card gives you a much easier path to building wealth, all while opening up a world of exclusive opportunities that give you a taste of the good life. For today’s financially savvy shopping club members, The Landers Cashback Everywhere Credit Card stands out as the card of choice with its high cashback rates, no annual fees, and wide range of practical benefits. Apply today to start enjoying what could be the best cashback credit card in the Philippines.
*Transactions that don’t qualify include: cash in, cash advance, quasi cash purchases, casinos and gambling, fuel, supermarket, pharmaceuticals, utilities, telco, and government.
