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  • What is LazyBonus?
    LazyBonus is an innovative service that will save you an average of 15% on every expense for the rest of your life. The secret of the LazyBonus method is to master the credit card “welcome bonus”. LazyBonus employs cutting-edge software to identify the most ideal card tailored specifically to your unique needs.
  • What is a credit card “welcome bonus”?
    A credit card welcome bonus is an enticing offer provided by banks to attract new customers. These bonuses require cardholders to spend a minimum amount within a specific timeframe to qualify. For example, the Chase Sapphire Preferred credit card offers a welcome bonus of 60,000 points when you spend at least $4,000 within the first 3 months of opening the account. These points can be redeemed for $750 cash-back. In other words, by opening this card you will be earning an impressive 18% cash-back on your first $4,000 of spending.
  • What is the strategy to master welcome bonuses?
    Start by opening a new credit card that offers an attractive welcome bonus. Use this card for your everyday expenses until you meet the minimum spending requirement to qualify for the welcome bonus. Once you've earned the bonus, immediately open a new credit card and switch all your daily expenses to it. Repeat this process of continuously opening new cards and earning welcome bonuses. By implementing this strategy correctly, you can safeguard your credit score and save an average of 15% on all your expenses.
  • Why do I need LazyBonus?
    The concept of opening new credit cards to earn welcome bonuses may seem straightforward, but executing this process can be challenging without expert guidance. Consider the following complexities: Identifying ideal credit cards based on your spending, income, and travel habits. Assessing your approval chances based on your credit score and history. Understanding bank regulations on application frequency and bonus eligibility. Optimizing reward points and hidden benefits associated with each card. Creating a sustainable, adaptable plan that doesn’t hurt your credit score. To navigate these complexities and avoid making mistakes, you'd need to read through countless websites, blogs, and forums, often encountering contradictory or generic advice. Let's face it: it's a lot of effort, and most people simply don't want to invest that much time and energy. If you desire all the benefits without the work, LazyBonus is your answer!
  • How does LazyBonus make it easy for me?
    First, we will create a personalized plan for you, combining our extensive expertise and cutting-edge software. Each month, we'll send you an email with step-by-step instructions tailored to your plan. These instructions will be easy to follow, and will cover everything from which cards to open, successful application strategies, optimizing rewards and benefits, and more. All you need to do is complete the list provided once a month, and ta-da: you can enjoy a permanent discount on all your spending. Now that’s actually easy!
  • Will I hurt my credit score if I open too many credit cards?
    When done correctly, the impact of opening new credit cards on your credit score is minimal. Your credit score will drop slightly for each new card, and will recover in a month or two. Based on our real-life experience, we have maintained credit scores above 800 while opening up to 8 new credit cards every year for the past 10 years. LazyBonus will include specific credit score instructions in your monthly email, such us: Applying for new credit cards based on an ideal schedule that considers various rules and regulations. Setting up autopay and ensuring you pay your balances in full each month. Keeping your total debt below 30% of the total available credit across all your cards. Knowing when it's appropriate to close certain credit cards. With responsible management and guidance from LazyBonus, you can successfully navigate the process while maintaining a healthy credit score.
  • Is it legal to open new credit cards only for the welcome bonus?
    Yes, it is legal. However, some banks have implemented regulations to make it more challenging. For instance, Chase Bank has the "5/24 rule," which means that if you have opened five or more personal credit cards within the last 24 months, you will be automatically denied a new credit card from Chase. LazyBonus will consider these regulations when creating your customized plan.
  • Will I eventually run out of new credit cards?
    No, your LazyBonus plan can continue indefinitely. Most credit cards require a 24-month waiting period before you can qualify for the welcome bonus again. So when we suggest opening a new credit card, we also consider the optimal time to close it, usually after 12 months to avoid paying the annual fee. You can then reopen the card at a later time, when you become eligible for the welcome bonus once more. This way, you can keep rotating through credit cards and enjoying welcome bonuses for as long as you like :-) We consider all of these factors when designing your personalized plan. We also keep track of the latest credit cards entering the market, recommending the ones with the best welcome bonuses at any given time.
  • What is the difference between LazyBonus and other websites like NerdWallet?
    There are many websites that offer credit card recommendations based on your profile, but LazyBonus is unique. We optimize your plan for a continuous stream of welcome bonuses, which is the only way to achieve a permanent discount of 15% across all your expenses. To highlight this difference, let's consider an example from NerdWallet. NerdWallet rates the Blue Cash Preferred from American Express with a perfect score of 5.0 stars. While it's a solid card, its welcome bonus is only $250 with a minimum spending requirement of $3,000, equivalent to an 8% cashback on your spending. On the other hand, NerdWallet gives the Southwest Rapid Rewards Premier card a lower score of 3.9 stars. However, this card offers an incredible welcome bonus of 50,000 points with a minimum spending of $1,000, equivalent to a 50% cashback on your spending! While NerdWallet evaluates credit cards using a more traditional approach, we prioritize the value of the welcome bonus relative to the minimum spending, which makes the Southwest Rapid Rewards card exceptional with a 50% value-back. This is what sets LazyBonus apart: our focus on mastering the welcome bonus, our ability to create a customized plan that fits your needs, and our guidance through the process with simple step-by-step emails each month.
  • How much can I save?
    The average savings amount to 15% of your total spending. For most people, this is equal to $2,500 to $10,000 of extra savings per year. To see a more accurate estimate based on your specific situation, get started here.
  • Is my data safe?
    Privacy and security are a top priority for us. LazyBonus will strictly safeguard your information from third parties and spam.
  • Can I ask a question or provide feedback?
    Absolutely! If you have any questions or would like to share your thoughts about LazyBonus, please don't hesitate to reach out to us at
  • How can I get started?
    Simply answer a few quick questions and you're all set to go! :-)
  • Why do you ask for my Credit Score?
    Your credit score is crucial in determining your eligibility for various credit cards. Generally, credit cards offering the most attractive bonuses and benefits require a higher credit score.
  • How can I check my Credit Score?
    In case you don’t know your credit score, we recommend checking it on Experian–a free tool that provides insights and information regarding your credit history.
  • I don’t have a Credit Score, is that ok?
    If you don't have a credit score yet, we can estimate it based on your annual income. In this case, you may only qualify for good credit cards if you have a high annual income.
  • My Credit Score is below 690, is that ok?
    With this credit score, you are not eligible for credit cards offering a welcome bonus. LazyBonus can still develop a plan that enables you to start earning some rewards, but the cashback will be significantly lower than 15%.
  • Why do you ask for my annual income?
    Your annual income helps us determine your eligibility for specific credit cards.
  • What counts in my annual income?
    You can include any income to which you have reasonable expectation of access. This includes: Personal income. Income from a spouse or partner. Allowances and gifts. Scholarships and grants. Retirement fund distributions.
  • My annual income is less than $20,000, is that ok?
    With this level of income, you are not eligible for credit cards offering a welcome bonus. LazyBonus can still develop a plan that enables you to start earning some rewards, but the cashback will be significantly lower than 15%.
  • Why do you ask for my monthly spending?
    Your monthly spend is essential for selecting the appropriate credit cards in your LazyBonus plan, as it ensures you can meet the minimum spending requirement to qualify for the welcome bonus. Remember to exclude payments that are typically not eligible for credit card transactions, such as rent and loan repayments.
  • Why do you ask if I spend more than $2,000 per year on flights?
    Several premium credit cards offer bonuses and rewards designed exclusively for air travel. If you travel by plane, we will incorporate these cards to optimize your LazyBonus plan.
  • Do you consider my preferred airline or hotel chain when creating my plan?
    Not at the moment. If you have any specific request, please email us at
  • Why do you ask if I am eligible for Business Credit Cards?
    Business credit cards offer unique opportunities to earn additional welcome bonuses over time, making them a valuable addition to your plan. Remember, you are eligible for business credit cards if you earn any income independently from your primary job. For instance: Teaching match, music or sports Selling items on Amazon, eBay, or Craigslist Working as a freelance writer or photographer Driving for Uber or Lyft
  • Can I update my answers if my circumstances change?
    Absolutely! You can revisit the get started page at any time to update your answers, and we will make the necessary adjustments to your plan.
  • How does the referral program work?
    You will earn one entry in the LazyBonus referral program for every person that joins LazyBonus thanks to you. Here's how it works: You enter the name and email of the referral in the "Refer and Earn" page When your referral signs up to LazyBonus, you will earn one referral entry We will guide you on creating a referral link from a credit card you opened through us (don't worry, we'll provide easy instructions!). We will use your referral link when inviting new users to open the same card. If the user clicks on your referral link when opening a new credit card, you can earn up to $100 in value (actual value will vary based on your credit card's referral program) Submit a referral now!
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