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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 US restaurants and US supermarkets (on up to $25,000 per 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, but factoring in the $120 in annual dining credits and up to $100 in annual airline incidental fee credits, it effectively costs just $30.

The card’s currently offering a welcome bonus of 35,000 points after you spend $2,000 in the first 3 months, but you could be targeted for a 50,000-point offer 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 25,000 points after you spend $3,000 on purchases within the first three months of account opening, then another 25,000 points after you spend $6,000 total on purchases within the first six months of account opening. 50,000 Hyatt points are worth $850 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 $150 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 on purchases and balance transfers for 15 months (then a variable rate of 15.24% to 26.24%) (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.

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 $500 cash back after spending $3,000 in the first 3 months.

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.

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

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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 US restaurants, at US supermarkets (up to $25,000; then 1x), and 3x points on flights booked directly with airlines or through amextravel.com. It is currently offering a welcome bonus of 35,000 bonus points after you spend $2,000 in the first three months.

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More Things to Know
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms apply.
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
See Rates & Fees
Annual Fee
$250
Balance Transfer Fee
See Terms
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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