Pleased New 12 months! As we shut out the yr and look to the following, many people are making resolutions to be higher within the new yr.
And what’s higher than being rewarded for maintaining these resolutions? With the right credit card, it can save you cash and earn useful rewards as you apply your resolutions — it doesn’t matter what they’re.
Listed here are our favourite methods credit cards will help you stick with your 2026 resolutions.
Train extra
Whether or not you’re testing the brand new health studio on the town or investing in residence exercise tools and a health subscription, you’ll be able to earn bonus rewards in your health purchases.
With a card just like the World of Hyatt Credit Card (see rates and fees) or the U.S. Bank Cash+® Visa Signature® Card, you’ll earn bonus rewards in your fitness center membership purchases.
The knowledge for the U.S. Financial institution Money+ has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
For those who’re going the house fitness center route, chances are you’ll wish to make the most of the as much as $300 Equinox membership credit score you’ll get every calendar yr with the American Express Platinum Card®. (Enrollment is required; phrases apply.)
Or, when you’re buying new health tools, you should utilize the Chase Sapphire Reserve® (see rates and fees) to earn 10 factors per greenback on a Peloton equipment purchase of $150 or extra (as much as 50,000 factors by way of Dec. 2027).
The Bilt Mastercard® additionally does greater than allow you to pay rent with out a transaction price. With it, you’ll be able to guide eligible health lessons together with your factors or earn bonus rewards whenever you guide them utilizing your card.
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TPG founder Brian Kelly is a Bilt adviser and investor.
The knowledge for the Bilt Mastercard has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Associated: The best credit cards to maximize fitness spending
Save extra
It might sound counterintuitive that bank cards will help you get monetary savings, however you’ll be able to make the most of service provider provides and purchasing portals to economize on the purchases you’re making anyway.
Most bank cards provide merchant-specific discounts that perform like coupons. Simply log in to your account and add any provides you may use to your card.
Then, so long as you spend at that service provider by the date the provide expires, you’ll mechanically get a press release credit score or, in some instances, earn further rewards on the acquisition.
To avoid wasting (or earn) much more, undergo a shopping portal whenever you’re purchasing on-line. Start your on-line purchasing journey from the portal. Then, you’ll mechanically earn rewards in your buy — on prime of the bank card rewards and service provider provides you’re already making the most of.
We love Rakuten as a result of you’ll be able to select to earn rewards as money again, American Express Membership Rewards points or Bilt Rewards factors. Plus, there are numerous different purchasing portals to select from, together with these from main airways.
And when you’re centered on pinching pennies greater than touring this yr, think about using a cash-back credit card. You’ll earn a proportion again on every part you buy, and you may redeem your rewards for a press release credit score to cowl your purchases.
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Learn extra
For those who’re buying books or utilizing a subscription to encourage your self to learn extra, bank cards will help you get monetary savings on this behavior.
First, be looking out for reading-related service provider provides. As an illustration, I usually see provides on my Chase playing cards for Audible and Kindle Limitless subscriptions.
And when you favor audiobooks and ebooks to onerous copies, you’ll wish to use the Blue Cash Preferred® Card from American Express on your studying subscriptions. It earns 6% cash-back on eligible U.S. streaming purchases, together with studying subscriptions like Kindle Limitless, Audible and Spotify.
Money again is earned as Reward {Dollars}, which will be redeemed as a press release credit score and at Amazon.com checkout.
In fact, when you’re shopping for bodily books or a brand new e-reader from Amazon, you’ll wish to use your Prime Visa (see rates and fees) to earn 5% again on these purchases as nicely.
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Prepare dinner extra
For those who’re trying to eat more healthy within the new yr, likelihood is you’ll be spending much less on eating out and extra on groceries. Guarantee you have got a bank card that earns bonus factors on these grocery purchases.
If you wish to earn journey rewards, you’ll be able to’t beat the American Express® Gold Card. It earns 4 Membership Rewards factors per greenback spent on U.S. grocery store purchases, on as much as $25,000 in spending every calendar yr (then 1 level per greenback).
And when you’re centered on cash-back rewards, we love the Capital One Savor Cash Rewards Credit Card. It earns limitless 3% again at grocery shops (excluding superstores like Walmart® and Goal®) and doesn’t have an annual price.
Plus, each the Amex Gold and the Capital One Savor additionally earn bonus rewards on dining purchases, in order that they’re additionally nice playing cards to achieve for when your cooking plans go up in smoke and you want to order pizza.
Word that the Amex Gold’s eating class is topic to a spending cap; cardmembers will earn 4 factors per greenback on the primary $50,000 in restaurant purchases worldwide (together with takeout and supply within the U.S.) every calendar yr, then 1 level per greenback.
Associated: The best credit cards for grocery spending
Journey extra
If that is the yr you’re able to mud off your suitcase and at last take your dream journey, bank cards can actually assist with that.
The best option to construct a robust factors steadiness is to earn the welcome bonus on a brand new bank card. We’ve compiled a listing of the best welcome offers this month, so begin there when you don’t have already got a card in thoughts.
Past that, we’re right here that can assist you use bank card rewards for no matter travels you have got in your checklist. Whether or not you’re headed to the Maldives, Disney World or a national park, factors and miles will help make your journey a actuality.
Associated: The 10 best places to travel in January 2026
Backside line
Regardless of your resolutions this yr, we’re rooting for you. And so long as you’re following greatest bank card practices, like paying off your steadiness on time and in full each month, bank cards could make sticking to your resolutions much more rewarding.
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