The Best Card to Pair With Your New Year’s Resolution

Jan 12, 2019

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Giving yourself a goal and a plan to accomplish that goal is a great way to bring in the new year. Unfortunately, we all know that many times these resolutions fail somewhere around February. However, if you can tie your resolution into points and miles, your motivation could be your next vacation paid for with points.

Here are five of the most common New Years resolutions according to a YouGov poll (warning: PDF link), along with some of the best credit cards to boost your points and miles while accomplishing them.

Eat Healthier With the American Express® Gold Card

Photo by rawpixel on Unsplash

Now’s the perfect time to pair this goal with the American Express® Gold Card. It earns 4 points per dollar, which is equal to a 8% return based on TPG’s latest valuations, at restaurants and at US supermarkets (on up to $25,000 per calendar year at supermarkets; then 1x), so you rack up some incredible earnings while eating well, both out at restaurants and at home with meals you prepare yourself.

In addition to this strong earning rate, the card offers up to $120 in annual dining credits, up to $10 each month, when you use the card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House and participating Shake Shack locations. (The first two may be your best bet from a healthy-eating perspective.) This card has a $250 annual fee (See Rates & Fees). Enrollment required for select benefits.

The card’s currently offering a welcome bonus of 60,000 points after you spend $4,000 on purchases in the first 6 months card membership, but you could be targeted for a 60,000-point offer or 75,000-point offer after spending $4,000 on purchases in the first three months through CardMatch (offer subject to change at anytime).

Work Out With the World of Hyatt Credit Card

Photo by Westend61 / Getty Images
Photo by Westend61 / Getty Images

Working out more is the second-most popular resolution, and the World of Hyatt Credit Card is a great facilitator in this regard. You’ll get 2x points on fitness club and gym membership and costs, which equals a 3.4% return on spending based on TPG’s valuations. That may not sound like much, but this card is one of the best options for gym expenses.

With the current sign-up bonus, you can earn 30,000 Bonus Points after spending $3,000 on purchases within the first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spend on purchases that normally earn 1 Bonus Point, on up to $15,000 in the first six months of account opening. 60,000 Hyatt points are worth up to $1,020 based on TPG’s valuations.

Save More Money With the American Express Cash Magnet® Card

business, finance, saving, banking and people concept - close up of woman hands with wallet and us dollar money. (Photo by dolgachov/Getty Images)
Photo by dolgachov/Getty Images.

Saving more money is third on the list of top New Year’s resolutions, and the American Express Cash Magnet® Card can give you a great step ahead on your way to saving for your next adventure. Earn a $150 statement credit after you spend $1,000 in the first 3 months. With 1.5% cash back on all purchases, this card can certainly help you put back money in your (figurative) wallet. And with 0% intro APR for 15 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99% (See Rates & Fees), it is a great card for those needing a bit of flexibility. For other strong options, see our guide to the best cash-back cards. The information for the Amex Cash Magnet Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.          

Make More Friends With the Capital One Savor Cash Rewards Credit Card

While this card can’t literally help you make friends, it can help make your nights out with friends a bit cheaper. You can go hit the town with your squad, and with 4% cash back on dining and entertainment on the Capital One Savor Cash Rewards Credit Card, there is even less reason to stay home and binge-watch Netflix. And you can jump-start your savings with $300 cash back after spending $3,000 in the first 3 months. The information for the Capital One Savor Cash Rewards Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Read More With the Amazon Prime Rewards Visa Signature Card

To wrap up with the most common New Years Resolution, reading more will be even more rewarding with the Amazon Prime Rewards Visa Signature Card. Not only will you be able to get your book in two days with Amazon Prime, but you will also earn 5% cash back on all your Amazon and Whole Foods purchases. You’ll also earn a $70 Amazon Gift Card upon approval.

The information for the Amazon Prime Rewards Visa card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

For rates and fees of the American Express Magnet card, please click here.
For rates and fees of the Amex Gold Card, please click here.

 

American Express® Gold Card

With some great bonus categories, the American Express Gold Card has a lot going for it. The card offers 4x points at restaurants, at U.S. supermarkets (up to $25,000 per calendar year; then 1x), and 3x points on flights booked directly with airlines or through amextravel.com.

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More Things to Know
  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Regular APR
See Pay Over Time APR
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

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