💛 Lazy Girl Stack: How I Earn Points on My GLP‑1 Meds
A transparent look at how I offset a big out‑of‑pocket health expense using simple stacks.
If you’ve been here a minute, you know I’m all about transparency — especially when it comes to the real‑life stacks I use every day. So today we’re talking about something personal, practical, and honestly… very Lazy Girl in the best way.
I’ve been on GLP‑1 medication for a while now, and it has changed my life. I’m down over 30 pounds, I feel better in my body, and I’m more confident than I’ve been in years. But here’s the part I don’t sugarcoat:
My insurance doesn’t cover it. And these meds are expensive.
So, like any big predictable monthly expense, I make the dollars work harder for me. I stack it.
If you’re new to stacking, start with my Beginner Guide— it will help this make even more sense.
If you’re new here, this post is part of my Lazy Girl Series — real‑life stacks that make everyday spending work harder. You can explore the full series here:Lazy Girl Series
💛 What This Post Is (and Isn’t)
This is:
A transparent look at how I earn points on a big out‑of‑pocket cost
A Lazy Girl strategy for turning an expense into rewards
A beginner‑friendly example of everyday stacking
This is not:
Medical advice
Financial advice
A recommendation for or against GLP‑1 meds
Always check your own card categories and your pharmacy’s merchant code.
💛 The Lazy Girl Stack: How I Earn Points on My GLP‑1 Meds
1. When I Was on Wegovy — at Kroger (the BIG win!)
This is my biggest Lazy Girl surprise of the entire journey:
Kroger codes as grocery on my Amex Blue Cash Everyday. Which means I earned 6% back on every single Wegovy refill.
This is huge. Most pharmacies code as “pharmacy” or “healthcare,” so earning grocery‑level rewards on a high monthly cost is a unicorn stack.
Lazy Girl Tip: If you fill at Kroger, check your merchant code. This one switch saved me hundreds.
If you want to see how I choose cards for everyday spending, check out my Stack & Save Credit Card Hub.
2. Now I’m on Zepbound — and I’m Using It for a Sign‑Up Bonus
Zepbound is pricey, which makes it perfect for hitting a minimum spend.
Right now, I’m using my American Express Blue Business card to help me earn the welcome bonus. Big, predictable expenses like this are exactly how I hit SUBs without changing my normal spending.
If you’re new to the minimum spend strategy, my Beginner Guide breaks it down simply.
3. When I’m Not Working on a Bonus
My default is simple:
I use my Chase Freedom Unlimited, which earns 3% back at pharmacies.
It’s automatic. It’s easy. It’s Lazy Girl stacking at its finest.
If your pharmacy codes differently, use your highest‑earning card for that category. And if you’re not sure, my 7 Beginner Mistakes to Avoid covers this exact issue.
💛 Why I Do This
If I’m going to invest in my health — and pay out of pocket — I want those dollars to earn something back.
This is the heart of Lazy Girl stacking: No extra steps. No extra apps. Just intentional choices with the spending you’re already doing.
If you want to learn how to track your credits and rewards, here’s my guide: How to Track Travel Credits.
This is exactly what the Lazy Girl Series is all about — simple, real‑life stacks that fit into your actual life. You can browse more here: Lazy Girl Series
💛 Real‑Life Example: My Monthly Stack
Here’s what this looks like in real life:
$X monthly cost
6% back at Kroger (when I was on Wegovy)
SUB progress on my Amex Blue Business
3% back on Freedom Unlimited
Plus the points I earn from everyday stacking across the month
It doesn’t make the medication cheap — but it does help me get something back on a cost I’m already paying.
If you want to see more real‑life stacks, check out:
💛 Bonus Stack: HSA Reimbursement Win
After paying with my credit card to earn points, I filed for reimbursement from my HSA. That money was already tax‑free, which means I saved even more behind the scenes.
So while the points were a nice bonus, the real win was that I used pre‑tax dollars to cover the cost. It’s one of those quiet Lazy Girl stacks that doesn’t look flashy but adds up fast.
Points earned. Cash reimbursed. Tax savings secured.
If you’re new to stacking everyday expenses, myStack & Save Credit Card Hub walks through how to layer credit‑card rewards with other perks like HSAs and FSA reimbursements.
💛 Lazy Girl Transparency: My Personal Referral Links
I’m not a credit card affiliate — I only use my personal referral links for the cards I actually use in this stack. If you ever choose to use them, thank you! It helps support my work at No Point Left Behind at no extra cost.
💛 Transparency Corner
GLP‑1 meds aren’t for everyone. This is simply my experience, my health journey, and my stacking strategy.
I’m sharing this because I know so many of you are navigating big expenses — medical or otherwise — and I want to show you how stacking can fit into real life, not just travel.
💛 Today’s Action Step
Check how your pharmacy codes and make sure you’re using the card that earns the most — or put it toward a sign‑up bonus you’re already working on.
One tiny Lazy Girl tweak can earn you hundreds of dollars in rewards over a year.
💛 Related Guides
About the Author
Julie Davis is the creator of No Point Left Behind — a travel‑hacking strategist who has paid for exactly one plane ticket in cash since 2019. After 20 years as a stay‑at‑home mom, she built NPLB to help families travel smarter using the cards and perks they already have.
If you love real‑life stacks like this, you’ll love her community. Follow her on Facebook and join her Travel Hacking Moms Group for daily tips, beginner wins, and Lazy Girl strategies that actually work.
Explore the full Lazy Girl Series
