According to research, the second Friday of January is when many people give up on their New Year’s resolutions, which is why the day has been dubbed “Quitter’s Day.” This year, that day falls on Friday, January 10th. So, to help you stay motivated (or just help you make the most of the new year), here are 5 credit cards that can help you stick to those New Year’s resolutions.
Some of your friends may be aiming to eliminate all their credit card debt. Before you go and cut up all the plastic in your wallet, maybe consider how credit cards might be able to assist you in sticking to your resolutions and goals. Here are five credit cards that can help you do just that.
Credit Cards for New Year’s Resolutions 2025
- Blue Cash Preferred® Card from American Express – Supermarket and streaming services purchases
- Wells Fargo Reflect® Card– Reducing debt
- Chase Sapphire Preferred® Card – Travel more
- The World of Hyatt Credit Card – Gym and fitness memberships
- Prime Visa – Amazon and Whole Foods purchases
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
1. The Blue Cash Preferred Card from American Express
Health goals are a big part of resolutions. If you have a goal of eating healthier and spending less money on fast food and junk food, consider The Blue Cash Preferred® Card from American Express.
It’ll earn you cash back (6%) at U.S. supermarkets, up to $6,000 per year (then 1%). The card also gives you 6% cash back on U.S. streaming subscriptions. If you’re in need of some Netflix or Hulu to watch while on the treadmill, you can get rewarded for that, too. The card comes with 3% cash back on transportation (trains, parking, tolls, rideshares, etc.) and at U.S. gas stations and 1% cash back on everything else.
Cash back comes in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com at checkout.
Plus, with their enrolled Blue Cash Preferred Card, cardholders who spend $9.99 or more each month on an auto-renewing Disney Bundle subscription receive a monthly statement credit of $7. Valid only at DisneyPlus.com, Hulu.com or Plus.espn.com in the U.S. The Blue Cash Preferred Card leads amongst its competitors with the highest cash back rate on eligible streaming purchases.
It’s also one of the best credit cards for groceries. Just be aware that the rewards are only able to be earned at U.S. supermarkets.
The welcome bonus is the ability to earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Blue Cash Preferred® Card from American Express within the first 6 months. There is a $0 intro annual fee for the first year, then $95 (See Rates & Fees).
2. Wells Fargo Reflect Card
It’s not a bad idea to reduce your debt. However, doing so is much easier said than done. One card that can make it easier (yes, there is a credit card that can actually help you reduce your debt) is the Wells Fargo Reflect® Card.
The Wells Fargo Reflect® Card lets you start off strong with 0% Intro APR for 21 months from account opening on purchases and qualifying balance transfers (17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate). However, there is a balance transfer fee of 5% ($5 minimum), which is higher than some other balance transfer cards. Still, 21 months is longer than a lot of other cards.
And an added bonus of this card? Get up to $600 of cell phone protection against damage or theft (subject to a $25 deductible).
You can transfer balances from other cards that are potentially acquiring a lot of interest to this card. However, balance transfers may not be used to pay other credit cards or loans issued by Wells Fargo (terms apply).
The card does not have an annual fee.
Learn more: Balance Transfer Credit Cards
3. Chase Sapphire Preferred Card
If your resolution is to travel more, then signing up for one of the most favored travel credit cards out there is the way to go. The Chase Sapphire Preferred® Card is a top pick for those looking to earn points that can be used for travel. Points redeemed through Chase Travel℠ are worth 25% more with this card. Alternatively, transfer points on a 1:1 basis to top travel brands, including Southwest, United, Hyatt, Marriott, and more.
The Chase Sapphire Preferred earns unlimited:
- 5x points on travel purchased through Chase Travel (excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit)
- 3x points on dining (including eligible delivery services, takeout, and dining out)
- 3x points on online grocery purchases (excluding Target®, Walmart®, and wholesale clubs)
- Also 3x points on select streaming services
- 2x points on all other travel purchases
- 1x point per $1 spent on all non-bonus purchases
Sapphire Preferred Perks
There is a $50 annual Ultimate Rewards Hotel Credit. It comes in the form of a statement credit that will automatically be applied to your account when your card is used for hotel accommodation purchases made through the Ultimate Rewards program, up to an annual maximum accumulation of $50.
Plus, on each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year. So, if you spend $25,000 on purchases, you’ll get 2,500 bonus points.
The Chase Sapphire Preferred benefits are well worth considering.
There is a $95 annual fee.
Plus, the Chase Travel portal is well-liked for its ability to give you better deals on travel redemptions, whether you’re looking to redeem points for airfare, hotels, or even cruises.
New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $4,000 in purchases in their first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel℠.
4. The World of Hyatt Credit Card
If you want to travel more and you’re looking out for your health, why not get a card that can help you do both? The World of Hyatt Credit Card is one of the very few credit cards out there that allows you to earn points on a gym or fitness membership (2x World of Hyatt points for every eligible dollar spent). In addition, you’ll also get 9x World of Hyatt points when you book Hyatt stays as a World of Hyatt member.
On top of this, the card comes with 2x points for charges made at restaurants, airline tickets purchased directly with the airlines, and transit. This is one of the best credit cards for restaurants and dining.
The annual fee is $95. Cardholders also receive one free night at any category 1-4 Hyatt hotel or resort after their cardmember anniversary. It is one of the best credit cards for free hotel nights since Hyatt’s free nights start at 5,000 points.
Additionally, cardholders can enjoy complimentary World of Hyatt Discoverist status for as long as their account is open.
New The World of Hyatt Credit Card cardmembers can earn a signup bonus of up to 60,000 World of Hyatt Bonus Points. Earn the first 30,000 points by spending $3,000 on purchases in the first 3 months from account opening. Plus, earn up to 30,000 More Bonus Points by earning 2x Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1x Bonus Point, on up to $15,000 spent.
5. Prime Visa
And for just about every resolution and goal you can think up, the Prime Visa can help you accomplish it.
Want to read more? Purchase your books on Amazon, where you’ll get unlimited 5% back on Amazon purchases with your eligible Prime Membership. Want to be healthier? Buy your food at Whole Foods, where you’ll also get 5% back with your eligible Prime Membership. Want to spend more quality time with the family? Purchase a board game, movie, or just about anything else on Amazon to make it happen.
This card also comes with a 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare). Plus, there’s a 1% back on all other purchases. Also, earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership.
New Prime Visa cardholders can get a $100 Amazon Gift Card instantly upon approval, exclusively for Prime members.
Recap of Credit Cards for Resolutions 2025
Sticking to those resolutions and achieving goals is much easier when you have the right tools to help you. Whether you’re looking to get healthy, read more, or travel, there are plenty of options to consider. Which one do you prefer?
Credit Cards for Resolutions
- Blue Cash Preferred® Card from American Express – Supermarket and streaming services purchases
- Wells Fargo Reflect® Card– Reducing debt
- Chase Sapphire Preferred® Card – Travel more
- The World of Hyatt Credit Card – Gym and fitness memberships
- Prime Visa – Amazon and Whole Foods purchases
Related Articles:
- Best Credit Cards for Online Shopping
- Best Travel Credit Cards for Beginners
- The Best Airline Miles Credit Cards
For rates and fees of The Blue Cash Preferred® Card from American Express, please click here.
Having the right tools definitely makes sticking to resolutions so much easier! 💪 Whether it’s fitness trackers, reading apps, or travel planners, the right resources can keep you on track. Personally, I think a combination of goal-setting apps and a journal for tracking progress could be really motivating. How about you—do you have a favorite tool that keeps you on track for your goals, like for health, travel, or reading?
Agreed! Apps and physical journals are also tools that I use to keep myself motivated and on track to hitting my goals. Using both together works for me. Thanks for reading and commenting. Good luck with your goals for 2025!