The Lazy Girl’s Guide to Earning Points While Shopping Online
If you love saving money but don’t love doing extra work, welcome to the Lazy Girl club. This is the easiest way to earn points, cashback, and free travel without opening new cards, memorizing bonus categories, or doing anything complicated.
Because here’s the truth: I’m a busy mom. I don’t always have the time to compare portals, track offers, or wonder if I’m missing out on points. I want the savings… without the effort.
And that’s exactly what this guide is for.
Heads up — this post includes affiliate and personal referral links. When you use them, I may earn a small commission at no extra cost to you. It helps support No Point Left Behind and my Lazy Girl Series. I only recommend things I truly use and love.
Ready to keep stacking without the stress? 👉 See the full Lazy Girl Series and grab every hack in one place.
🌟 Step 1: Start With a Shopping Portal (It’s Free Money)
A shopping portal is a website that gives you extra points or cashback just for clicking through before you shop.
You’re already buying the things. You might as well earn something for it.
My Lazy Girl Favorites:
Rakuten — best for cashback + Amex Membership Rewards promos
Rove Miles — best for earning airline miles on everyday purchases
Lazy Girl Tip: Bookmark your favorite portal and click it before you shop. That’s it. (Or even lazier: install the browser extension so you never forget.)
🌟 Step 2: Use a Portal Aggregator (So You Don’t Compare Anything)
Instead of checking every portal manually (no thank you), use a tool that tells you:
which portal pays the most
which stores have bonuses
where you’ll earn the most points today
Lazy Girl Tip: Use a browser extension so it pops up automatically. I personally have used CashBackMonitor for years.
🌟 Step 3: Stack With Credit Card Offers (The Easy Ones)
You don’t need to open new cards. Just use the offers already sitting in your account.
Think:
Amex Offers
Chase Offers
Bank of America Deals
Citi Merchant Offers
Lazy Girl Tip: Activate everything. Even if you don’t think you’ll use it. Future you will thank you.
How I Keep Up With All My Credit Card Offers I use CardPointersto automatically activate every offer across Amex, Chase, Citi, and Bank of America. It saves me time, earns me more points, and keeps me from missing easy statement credits.
🌟 Step 4: Use the Right Card (Without Thinking About It)
This is where most people get overwhelmed — but you don’t have to.
Use a tool (like CardPointers) that tells you:
which card earns the most at each store
which card has a bonus this month
which credits you’re about to lose
Lazy Girl Tip: Let the app do the thinking so you don’t have to. Again, this is where Cardpointers comes in handy!
🌟 Step 5: Stack a Portal + Offer + Card (The Lazy Girl Trifecta)
This is where the magic happens.
Example: You’re buying sneakers at Nike.
Click through a shopping portal
Use a credit card offer
Pay with the card that earns the most points
Boom. You just earned:
cashback
portal points
credit card points
…for something you were buying anyway.
🌟 Step 6: Use Browser Extensions (So You Don’t Forget)
This is the true Lazy Girl hack.
Install:
your favorite shopping portal extension
your credit card offer reminder extension
your “best card to use” extension
Lazy Girl Tip: If it doesn’t pop up automatically, I’m not doing it.
🌟 Step 7: Keep It Simple (No Spreadsheets Required)
You don’t need to track anything. You don’t need to optimize everything. You don’t need to be perfect.
Just follow this formula:
Portal → Offer → Right Card
That’s it.
✨ Final Thoughts
You don’t need to be a points expert to save money. You don’t need to memorize categories. You don’t need to spend hours researching.
You need a few lazy‑girl tools that do the heavy lifting for you.
And once you start stacking, you’ll never go back.
About the Author
Julie enjoying a lazy girl weekend in Georgia for $30 out of pocket including hotel and all her meals!
Julie Davis is the creator of No Point Left Behind, where she teaches everyday travelers how to earn more points, stack more deals, and travel for less — without spreadsheets or stress. As a travel‑hacking strategist, Amazon Influencer, and the brain behind the Lazy Girl series, Julie breaks down complicated reward systems into simple, repeatable steps anyone can follow.
Whether she’s stacking Hilton Aspire benefits for a $30 weekend getaway or earning points on things she was already buying, Julie’s mission is to help you travel smarter with the least amount of effort… and with no point left behind.
