Completely happy New Yr! As we shut out the 12 months and look to the following, many people are making resolutions to be higher within the new 12 months.
And what’s higher than being rewarded for retaining these resolutions? With the right credit card, it can save you cash and earn helpful rewards as you follow your resolutions — it doesn’t matter what they’re.
Listed here are our favourite methods credit cards may also help you keep on with your 2026 resolutions.
Train extra
Whether or not you’re testing the brand new health studio on the town or investing in house exercise gear and a health subscription, you may 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 data 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.
If you happen to’re going the house fitness center route, chances are you’ll wish to reap the benefits of the as much as $300 Equinox membership credit score you’ll get every calendar 12 months with the American Express Platinum Card®. (Enrollment is required; phrases apply.)
Or, if you happen to’re buying new health gear, you need to use 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 payment. With it, you may e book eligible health lessons together with your factors or earn bonus rewards if you e book them utilizing your card.
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TPG founder Brian Kelly is a Bilt adviser and investor.
The data 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 could sound counterintuitive that bank cards may also help you lower your expenses, however you may reap the benefits of service provider provides and purchasing portals to economize on the purchases you’re making anyway.
Most bank cards provide merchant-specific discounts that operate like coupons. Simply log in to your account and add any provides you would possibly 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 circumstances, earn extra rewards on the acquisition.
To save lots of (or earn) much more, undergo a shopping portal if you’re purchasing on-line. Start your on-line purchasing journey from the portal. Then, you’ll mechanically earn rewards in your buy — on high of the bank card rewards and service provider provides you’re already profiting from.
We love Rakuten as a result of you may select to earn rewards as money again, American Express Membership Rewards points or Bilt Rewards factors. Plus, there are various different purchasing portals to select from, together with these from main airways.
And if you happen to’re targeted on pinching pennies greater than touring this 12 months, think about using a cash-back credit card. You’ll earn a share again on all the things you buy, and you may redeem your rewards for a press release credit score to cowl your purchases.
Associated: The beginners guide to online shopping portals
Learn extra
If you happen to’re buying books or utilizing a subscription to encourage your self to learn extra, bank cards may also help you lower your expenses on this behavior.
First, be looking out for reading-related service provider provides. For example, I usually see provides on my Chase playing cards for Audible and Kindle Limitless subscriptions.
And if you happen to choose audiobooks and ebooks to exhausting 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.
After all, if you happen to’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 effectively.
Associated: The best credit cards for book lovers
Cook dinner extra
If you happen to’re trying to eat more healthy within the new 12 months, chances are high you’ll be spending much less on eating out and extra on groceries. Guarantee you will have a bank card that earns bonus factors on these grocery purchases.
If you wish to earn journey rewards, you may’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 12 months (then 1 level per greenback).
And if you happen to’re targeted 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 payment.
Plus, each the Amex Gold and the Capital One Savor additionally earn bonus rewards on dining purchases, so that they’re additionally nice playing cards to achieve for when your cooking plans go up in smoke and it is advisable to order pizza.
Be aware 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 12 months, then 1 level per greenback.
Associated: The best credit cards for grocery spending
Journey extra
If that is the 12 months you’re able to mud off your suitcase and at last take your dream journey, bank cards can actually assist with that.
The simplest approach to construct a powerful factors stability is to earn the welcome bonus on a brand new bank card. We’ve compiled an inventory of the best welcome offers this month, so begin there if you happen to don’t have already got a card in thoughts.
Past that, we’re right here that will help you use bank card rewards for no matter travels you will have in your listing. Whether or not you’re headed to the Maldives, Disney World or a national park, factors and miles may also help make your journey a actuality.
Associated: The 10 best places to travel in January 2026
Backside line
Regardless of your resolutions this 12 months, we’re rooting for you. And so long as you’re following greatest bank card practices, like paying off your stability on time and in full each month, bank cards could make sticking to your resolutions much more rewarding.
Associated: Everything you need to know about visiting US national parks in 2026
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