Credit card rewards programs have long made credit cards a go-to payment method for many value-oriented consumers. Yet, despite their popularity, not everyone knows how to take full advantage of these programs. Most cards reward specific categories of spending (i.e., groceries, dining, or travel), so understanding how your card works can make a big difference in how much value you get back.

Some cards offer straightforward cashback on daily essentials, while others let you collect points or travel miles for future perks. Many also partner with popular brands to offer the occasional credit card promo or special offer. The key is knowing which types of purchases earn the most and planning your spending accordingly. Used wisely, these rewards can help you save more or even fund experiences that might otherwise feel out of reach.

With that in mind, Maya makes it easier than ever to make your credit card spending work for you. Our catalog of credit cards currently includes the Landers Cashback Everywhere Credit Card and the Maya Black Credit Card, both of which allow you to earn rewards and access exclusive Maya credit card promo offers across a wide range of categories. Here are some types of purchases you could already be getting more from right now.

Groceries and Everyday Essentials

Groceries take up a significant portion of most household budgets, which makes them a prime area for optimizing rewards. Many credit card programs structure cashback tiers or point systems around daily necessities precisely because these purchases are steady and predictable. If you understand how to take advantage of those structures, you can turn routine grocery spending into measurable savings over time. It’s also one of the simplest ways to make rewards a part of your regular financial habits rather than an afterthought.

For Landers Cashback Everywhere Credit Card holders, this advantage is built right in. To start, the card gives you up to 5% cashback on Landers, 2% on dining spends, and 1% on all other qualified transactions.* Each point is equivalent to PHP 1 and can be redeemed instantly at checkout with a minimum of 500 points. No voucher conversions or long waiting periods; just straightforward savings for consistent shoppers.

It gets better. Once your total monthly spend reaches PHP 20,000 across qualified transactions both inside and outside the superstore, you can boost the baseline Landers of 3% to 4%. And when you hit PHP 50,000 on qualified buys, you can get the maximum 5% cashback, on top of the generous bulk discounts and promos offered at Landers superstores. Premium shopping at Landers has never been this convenient or economical.

Dining and Food Deliveries

Spending on food is one of life’s most enjoyable necessities. From casual lunches to family celebrations, these moments naturally involve a bit of indulgence. That’s why many credit card rewards programs offer generous returns for dining-related spending: it’s a category that’s both pleasurable and practical for most people. People who dine out or order in frequently absolutely should know which cards give the best returns, as it makes those meals even more satisfying.

The Landers Cashback Everywhere Credit Card offers 2% cashback on dining spends, so you get something back every time you treat yourself to your favorite restaurant or comfort food delivery. For those who enjoy elevated dining experiences, the Maya Black Card occasionally features limited-time promos and partner discounts that complement its travel-oriented benefits. Whether you prefer cozy cafés or fine dining, Maya’s credit cards help turn mealtime into an opportunity for rewards.

In-Store Shopping

Despite the rise of e-commerce, in-person shopping remains a rewarding experience for many consumers. It’s tactile, social, and often accompanied by exclusive store-based offers. Physical retailers also tend to partner with banks for seasonal discounts or bundled promos, which means using the right credit card can amplify what you save beyond what’s on the price tag. Shoppers who enjoy browsing in person can benefit most when they know how their card’s cashback or point-earning structure applies to in-store spending.

You’ll be able to take advantage of these opportunities effortlessly whenever you pay with a Maya credit card. For instance, purchases made in physical stores still count toward your total monthly spend when you use the Landers Cashback Everywhere Credit Card, so they’ll help you qualify for the higher 5% cashback rate at Landers. Meanwhile, those who prefer to earn travel-oriented rewards can rely on the Maya Black Card, which converts everyday in-store transactions into Maya Miles redeemable for future trips or experiences.

Online Shopping

The convenience of online shopping has transformed how people buy everything from groceries to gadgets. It’s also become one of the easiest ways to take advantage of digital promos and card-linked discounts. Many e-commerce platforms and individual brands reward online purchases through loyalty systems or partner offers, so paying with a credit card can help you stack multiple benefits in one transaction. When used strategically, even small online purchases can accumulate meaningful rewards over time.

True to its name, you can use the Landers Cashback Everywhere Credit card to get 1% cashback on qualified transactions made online as well as in-store. That means you can earn rewards even when shopping from home. Every purchase adds to your monthly spending total and brings you closer to unlocking the highest cashback tier for Landers purchases. And with your card connected to the Maya App, you can securely track all your online transactions in one place.

Airline, Hotel, and Travel Services

Travel spending is one of the most rewarding categories for any cardholder, thanks to its higher ticket sizes and strong link to aspirational goals. Airlines, hotels, and online booking platforms frequently run credit card promotions that translate into perks like discounts or free upgrades. When you’re the type of person who likes to plan their travels carefully, you’ll definitely want to take advantage of these partnerships to reduce costs or extend the value of a trip.

The Maya Black Card is designed precisely for that kind of traveler. It lets you earn Maya Miles on every qualified transaction, which you can later redeem for flights or other travel perks. With its no-annual-fee structure (as long as you make one transaction per month) and built-in app security, it’s a smart companion for frequent flyers who value both flexibility and control.

Streaming and Subscriptions

From movies and music to productivity tools and cloud storage, subscription-based services have become part of daily life. Paying for them through a credit card not only ensures convenience and uninterrupted access but also keeps recurring payments in one organized stream. Many digital platforms also offer bonus trials or discounts when linked to a credit card. That means your subscriptions can become a low-effort way to gain extra value, as long as you manage them well.

Everyday Services and Lifestyle Upgrades

Services like gym memberships or wellness treatments often go underappreciated in personal finance, but they’re still part of modern living. Many service providers now run credit card partnerships and provide rebates or limited-time promos to attract loyal customers. Why not take advantage of these opportunities to make your lifestyle spending more sustainable and rewarding? Plus, you’ll get even more bang for your buck with a card that recognizes such purchases as qualified transactions.

Your Everyday Expenses Start Giving Back with Maya

Rewards shouldn’t be limited to special occasions; they can come from the things you already spend on every day. With Maya’s credit cards, you can turn those ordinary purchases into incomparable savings and perks, all managed securely through the Maya app. If you’re ready to make your spending more rewarding, explore the Maya Landers Cashback Everywhere Credit Card and the Maya Black Card to find the one that fits your lifestyle best.

* Transactions that don’t qualify include: cash in, cash advance, quasi cash purchases, casinos and gambling, fuel, supermarket, pharmaceuticals, utilities, telco, and government.