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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
- The Blue Cash Preferred® Card from American Express
- Chase Slate Edge℠
- Chase Sapphire Preferred® Card
- The World Of Hyatt Credit Card
- Prime Visa
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.
Cardholders can also enjoy an entertainment bundle that includes Disney+, Hulu, and ESPN+. Get $7/month back in the form of a statement credit after spending $9.99 or more each month on an eligible subscription (subject to auto-renewal) with the Blue Cash Preferred Card. Enrollment required.
Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
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 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. Chase Slate Edge
It’s definitely 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 Chase Slate Edge℠.
The Chase Slate Edge℠ lets you start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 20.49% – 29.24% on balance transfers and purchases after the introductory period ends.
You can transfer balances from other cards that are potentially acquiring a lot of interest to this card. However, note that balance transfers may not be used to pay other credit cards or loans issued by Chase Bank (terms apply).
The card also does not have an annual fee. You can learn more about this card in our Chase Slate Edge review.
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 a no-brainer. The Chase Sapphire Preferred® Card is a top pick for those looking to earn points that can be used for travel.
Plus, the Chase Ultimate Rewards 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.
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 1 free night at any category 1-4 Hyatt hotel or resort after their cardmember anniversary. One of the best credit cards for free hotel nights, know that Hyatt 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.
You also have the opportunity to earn up to 60,000 bonus points as a signup bonus with The World of Hyatt Credit Card. Earn 30,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, earn 2 Bonus Points per $1 spent on purchases that earn 1 Bonus Point, up to $15,000, in the first 6 months of account opening.
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 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.
Recap of Credit Cards for Resolutions
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
- The Blue Cash Preferred® Card from American Express – Supermarket and streaming services purchases
- Chase Slate Edge℠ – 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
- 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.