Credit card companies offer points for, well, doing nothing

Put down the scissors.

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For example, Southwest Rapid Rewards Priority Credit Card offers 7,500 points for every additional one year anniversary you share with the card.

Another travel card by Barclays doesn’t offer any sign-up bonus, but it doles out up to 25,000 bonus miles for every year that you stay with them, spending a certain amount.

Bank of America now has a card that gives 25 percent more rewards to customers who have at least $20,000 in one of their banking accounts (or in a Merrill Lynch investment account). If you have a $50,000 balance, you’ll get a 50 percent rewards bump. $100,000? A 75 percent increase in rewards. That means you could earn up to 3.5 points per dollar on travel and dining.

This trend is good news for people who don’t want to bother with constantly hunting down the best credit card offers or putting on their strategist hat every time they flip open their wallet.

“It will appeal to a broad swath of of Americans who don’t want to work that hard to get their credit card rewards,” Schulz said.

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