🌸 Lazy Girl Stack & Save: How I Earn 10–15x Points on Everyday Purchases
If you’re new here, welcome to the Lazy Girl Series — where we keep travel, points, and everyday earning simple, real, and totally doable for busy moms, retirees, and anyone who doesn’t want a spreadsheet to enjoy their life.
This post is part of my Lazy Girl Stack & Save system — the way I earn more points on things I was already buying anyway. No complicated strategies. No chasing promos. No “you need 12 credit cards” energy. Just real‑life stacking that fits into your actual day.
I used this exact method on a small purchase this week and earned 11.5x points with Chase, plus extra miles through Rove Miles, all on something I was grabbing anyway. I’ll show you the full breakdown below — including my screenshot and my personal Rove referral link — so you can copy it step‑by‑step.
If you love simple wins, everyday stacking, and earning more without spending more, you’re in the right place. Let’s get into it.
No Point Left Behind partners with brands I personally use and love. Some links in this post are affiliate links, which means I may earn a small commission — at no extra cost to you — if you choose to make a purchase. I only recommend products and programs I use myself. Keeping it real, as always.
🌸 What “Stack & Save” Actually Means
Stack & Save is my personal system for earning extra points on everyday purchases by layering:
Paze bonuses
Rove Miles multipliers
Chase Sapphire Reserve or Chase Freedom Unlimited base earnings
Optional: Rakuten, Chase Offers, or merchant promos
It’s simple, repeatable, and beginner‑friendly — and it works even when the big promos disappear.
If you’re brand new to points, start with my Credit Cards & Points Hub for beginner‑friendly guides.
🌸 My Real Example: 11.5x Points on a Bath Soak I Was Buying Anyway
Let’s walk through the exact stack I used this week.
I bought my favorite bath soak, and here’s how the points stacked:
⭐ 1. Paze Bonus
Even though the $10 off $10 Paze promo is gone, you can still earn 10x back on eligible purchases through Paze.
So right away: 10x points per dollar
⭐ 2. Chase Sapphire Reserve / Freedom Unlimited
Depending on the category, I earned:
3x on travel/dining (CSR)
1.5x on everything (CFU)
For this purchase, I earned: 1.5x points per dollar
⭐ 3. Rove Miles
I also clicked through Rove Miles first — my favorite way to earn extra miles on everyday spending.
I earned additional miles on top of the Paze bonus and Chase multipliers.
👉 Use my Rove Miles referral link if you want to try it. I’ve been using Rove since January and have earned thousands of miles on everyday purchases.
⭐ Total Earned: 11.5 points per dollar + Rove Miles
On a bath soak. Something I was buying anyway. No promo chasing. No extra steps.
Just smart stacking.
📸 Screenshot: My Actual Points Earned
Credit Card Points on my purchase
Rove Miles on the same purchase
🌸 Why This Works (Even When Promos End)
The magic of Stack & Save is that it doesn’t rely on:
limited‑time promos
holiday deals
special offers
new card bonuses
It works every day, on:
Sephora
Target
Amazon
Walmart
Ulta
Bath & Body Works
Grocery stores
Travel purchases
Cruise purchases
And more
If you’re already spending the money, you might as well earn more points for it.
🌿 How Beginners Can Copy This (Lazy Girl Style)
1. Use Paze whenever it’s available
It’s fast, secure, and often offers 10x back on eligible purchases.
2. Click through Rove Miles first
It takes 2 seconds and earns extra miles on top of everything else.
👉 Use my Rove Miles referral link to get started.
3. Pay with Chase Sapphire Reserve or Freedom Unlimited
You’ll earn:
3x on travel/dining (CSR)
1.5x on everything (CFU)
Disclaimer: Other cards may also have 10x offers through Paze, but I only write about what I personally use and what I can verify from my own account. The cards I hold — the Chase Sapphire Reserve and Chase Freedom Unlimited — currently show this offer for me, so that’s what I’m sharing here. I always keep it real and only talk about the stacks I’ve actually earned myself.
4. Add Rakuten or Chase Offers when available
Optional, but fun. You could use Rakuten instead of Rove or any other shopping portal you prefer
5. Buy things you were already planning to buy
No extra spending. No guilt. Just smarter earning.
🌸 Want More Lazy Girl Systems?
Explore more beginner‑friendly guides:
🌿 Join My Community
I share real stacks inside my Facebook group — the ones I use every week.
Join here: Travel Hacking Moms Group
🌸 About the Author
Julie Davis is the creator of No Point Left Behind, a retiree‑friendly, beginner‑friendly travel‑hacking blog focused on simple strategies that help families travel better for less. She cruises 7–10 times a year, specializes in Princess Cruises, and teaches practical, no‑overthinking systems that make travel more affordable for real families.
Explore more cruise content in the Cruise Hub or join the community inside the Travel Hacking Moms Group.
