It’s a mistake to think that all payment cards are created equal when you’re shopping online. While it’s certainly true you can use either debit or credit cards to complete digital transactions, credit cards tend to offer advantages that make them attractive for paying for online purchases. The Maya-powered Landers Cashback Everywhere Credit Card, for instance, lets you do more than just pay for your purchases over the Internet. As one of the best credit card for online shopping in the Philippines, the card matches the level of convenience that it offers with the protective measures that it has in place. Opting to use credit cards such as the Landers Cashback Everywhere Credit Card when shopping online is a smart and safe choice due to the following reasons:
Shopping Online Using Credit Cards Offers Excellent Fraud Protection
Fraud is a pressing concern for many online shoppers. This typically takes place when fraudsters gain access to one’s financial information, allowing criminal actors to use the said details for their financial gain. Using credit cards for online purchases protects you from suffering the full brunt of falling victim to such criminal activities. By using this payment option, you can prevent fraudsters from directly tapping into your wallet or funds and losing access to your account while the issue is being investigated. In addition to that, credit card providers are typically quick to reverse fraudulent credit card transactions. As such, your funds remain safe and accessible to you while the charges are being disputed.
Using Credit Cards to Shop Online Is a Practical Way to Build Credit
Using your credit card responsibly is one of the best ways to build your credit score, which is an important factor when applying for loans, for mortgages, or even for certain jobs. When you make regular purchases with your credit card and pay your balance off promptly, it reflects positively on your credit report and tells lenders that you are a trustworthy borrower. Over time, this helps improve your credit standing, which can open up opportunities for better loan rates and mortgage approvals. In short, by using your credit card for regular online shopping and paying off balances on time, you're contributing positively to your financial future.
Credit Card Use Typically Give Consumers Access to Rewards and Cashback
Credit cards often come with rewards programs, allowing consumers to earn points or cashbacks on every purchase. Landers Cashback Everywhere Credit Card, for example, offers up to 5% cashback for Landers purchases. You can enjoy this by exceeding an accumulated total credit card spend of PHP 50,000. In case you don’t reach this amount, however, you’re still automatically entitled to a 3% cashback when you use the credit card to shop at Landers, no minimum spend required.
To effortlessly maximize the benefits that come with the best cashback credit card for online shopping, use it to also pay for your purchases on the Landers website. The more you use the credit card for shopping, the quicker you’ll be able to add up your cashback points. If you’re going to be shopping online anyway, why not earn a little extra in the process, right?
Credit Cards Make Use of World-Class Security Features
Most credit cards come with advanced security features to keep your transactions safe. This can include things like one-time passwords, fraud alerts, and notifications of suspicious activity. One of the highlights of the Landers Cashback Everywhere Credit Card is its dynamic CVV, a feature that generates a new number every time the card details is accessed via the app and provides a dynamic CVV that's only valid for 24 hours. This feature, which is present on the virtual card in the Maya app, adds a layer of security to your online transactions by ensuring that fraudsters cannot make recurring payments using your credit card details. By maximizing the use of the CVV and using it whenever you have online transactions, you can prevent hacking attacks and other fraudulent activities before they become a bigger problem.
Landers Cashback Everywhere Credit Card: Your Best Payment Option for Online Transactions
The Landers Cashback Everywhere Credit Card offers a great deal of safety and convenience when you’re shopping online. Just like you would when swiping the card while shopping in-store at your local Landers Superstore, you’ll also get a minimum of 3% and a maximum of 5% cashback when using the card to pay for your Landers online orders.
If you want to use the credit card for purchases outside of Landers, feel free to do so. True to the “Everywhere” in its name, the Landers Cashback Everywhere Credit Card presents 2% cashback on dining and 1% cashback on qualified transactions.* This means that using the card to pay for your online purchases enables you to accumulate cashback that you can redeem at the Landers Superstore nearest you.
Make sure to check out the safety features of the credit card so you can pay for your online purchases with confidence. You can access the card’s dynamic CVV and set spending limits on the Maya app. Get to know your credit card better and use all the features it offers to make online shopping a much safer and more enjoyable experience by exploring the Maya app. Ultimately, the level of protection and peace of mind you get from using a credit card like Landers Cashback Everywhere Credit Card makes it the ideal payment method for online shopping.
*Transactions that don’t qualify include: cash in, cash advance, quasi cash purchases, casinos and gambling, fuel, supermarket, pharmaceuticals, utilities, telco, and government.
