Best Credit Cards To Help You Meet Your New Year’s Resolutions

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At the start of 2025, 60% of people who set New Year’s resolutions, or roughly 96 million Americans, made health, fitness and exercise their top goals moving forward, according to a survey by the Health & Fitness Association (HFA).
According to the same survey, almost a third (32%) of people note cost as the most significant roadblock to achieving these goals. But what if your credit card earned rewards on your resolutions?
Whether you resolve to bulk up your wallet, body or brain, CNBC Select compiled the top cards to help you reach your new year goals — and save you money while doing it.
Best for eating healthy
How it supports your goal: The Blue Cash Everyday offers up to $180 in annual Home Chef credits, a meal delivery service that offers calorie-conscious meals (up to $15 in monthly credits; enrollment required). If you prefer a more hands-on approach when picking your menu, the card also earns 3% cash back at U.S. supermarkets on up to $6,000 in spending per year (then 1%).
Other great perks: With the Blue Cash Everyday, you also receive up to $84 in annual Disney streaming credits (up to $7 per month; subject to auto-renewal) after using your enrolled Blue Cash Everyday for a subscription purchase (enrollment required). Plus, get access to both purchase and return protection.
Blue Cash Everyday® Card from American Express
CNBC Select Rating
5
On the American Express site
CNBC Select Rating
5
On the American Express site
Credit score
Good to Excellent
Regular APR
19.49% to 28.49% Variable
Annual fee
$0
Welcome bonus
Earn a $200 statement credit
See rates and fees, terms apply. Read our Blue Cash Everyday® Card from American Express review.
The Blue Cash Everyday® Card from American Express has no annual fee and earns bonus rewards on a wide range of common expenditures.
Up to $264 in streaming service and meal kit credits every year (subject to auto renewal)
High cash-back rates in popular spending categories
No annual fee
The best bonus cash-back categories are capped
Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.49% to 28.49% variable APR.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.
See Rates & Fees
Balance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee
2.7% of each transaction after conversion to US dollars
Best for fitness
How it supports your goal: With the U.S. Bank Cash+ Visa Signature, you earn 5% cash back each quarter in two of 12 categories of your choice (up to $2,000 in combined purchases, then 1%). One category is gyms and fitness centers, and another is sporting goods stores, both of which are ideal if you’re looking to get into better shape.
Other great perks: The U.S. Bank Cash+ Visa Signature also offers 2% cash back in one everyday category you choose and comes with a great intro APR on purchases and balance transfers.
U.S. Bank Cash+® Visa Signature® Card
CNBC Select Rating
4.8
Information about the U.S. Bank Cash+® Visa® Secured Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
CNBC Select Rating
4.8
Information about the U.S. Bank Cash+® Visa® Secured Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
Credit score
N/A
Regular APR
See terms
Annual fee
See terms
Welcome bonus
See terms
*See rates and fees, terms apply.
Rewarding and versatile quarterly bonus categories
Generous intro-APR offer
Quarterly limits on the card’s top bonus spending categories
No statement credit offers or other ongoing benefits outside of the cash rewards
Best for travel
How it supports your goal: For those hoping to explore more in 2026, the Capital One Venture X offers a $300 annual travel credit for bookings through Capital One Travel, a credit for either a Global Entry or TSA PreCheck® application fee and airport lounge access. Plus, the card earns points that transfer to 20 different airline and hotel partners for even greater value.
Other great perks: For a limited time, you can earn 100,000 bonus miles (equal to $1,000 toward travel) when you spend $10,000 on purchases within the first six months from account opening. As a Visa Infinite® card, the Venture X also includes several helpful travel insurance perks.
CNBC Select Rating
5.0
Spotlight
Earn your rewards in a cryptocurrency of your choice with over 60 to select from.
Credit score
Excellent740–850
Regular APR
19.74% – 28.74% variable APR
Annual fee
$395
Welcome bonus
Earn 100,000 bonus miles
Terms apply. Read our Capital One Venture X Rewards Credit Card review.
The Capital One Venture X Rewards Credit Card is a premium credit card with a myriad of benefits and a lower annual fee than other high-end cards with similar features.
Annual $300 credit for bookings through Capital One Travel
10,000 bonus miles after every card anniversary
Unlimited complimentary access to 1,300+ airport lounges, including Capital One Lounge locations
Long list of valuable travel and shopping protections, including return protection, rental car coverage and trip delay reimbursement (Benefit(s) only available to accounts approved for the Visa Infinite card. Terms apply.)
Limited bonus spending categories compared to other premium credit cards
High annual fee
High credit score requirement (excellent credit)
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
LIMITED-TIME OFFER: Earn 100,000 bonus miles once you spend $10,000 on purchases in the first 6 months from account opening – equal to $1,000 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more. You can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app
Balance transfer fee
$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Foreign transaction fees
$0
Best for paying down debt
How it supports your goal: If you’re looking to pay down credit card debt, the U.S. Bank Shield offers an exceptionally long 0% intro APR on balance transfers (and purchases) within 60 days of account opening (16.99% to 27.99% variable APR thereafter). This can help you temporarily pause interest payments for 24 billing cycles, allowing you to pay down your balance more effectively.
Other great perks: The U.S. Bank Shield is primarily geared toward helping you manage debt, but it also offers up to $600 in cellphone protection if your phone is stolen or damaged and a $20 annual statement credit for 11 consecutive months of purchases.
U.S. Bank Shield™ Visa® Card
CNBC Select Rating
4.5
Information about the U.S. Bank Shield™ Visa® Card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.
CNBC Select Rating
4.5
Information about the U.S. Bank Shield™ Visa® Card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.
Credit score
Good to Excellent670–850
Regular APR
See terms
Annual fee
See terms
Welcome bonus
See terms
*See rates and fees, terms apply.
Best-in-class intro-APR offers for purchases and balance transfers
No annual fee
Annual statement credit
Cell phone protection
Rewards limited to eligible travel purchases made through the U.S. Bank Rewards Center
No welcome bonus
Has a foreign transaction fee
No intro balance transfer fee
Best for reading more
How it supports your goal: While the Prime Visa does require an Amazon Prime membership, you can earn 5% back at Amazon.com — including any books you purchase through the site. Plus, Prime membership includes Prime Reading (a rotating library of thousands of ebooks and more), and each month, Prime members can choose one Kindle book from Prime’s editors’ picks for free.
Other great perks: The Prime Visa also earns an unlimited 2% back at gas stations, restaurants and local transit and commuting (including rideshare). There are a surprising number of travel protections, to boot, especially for a card with strong shopping perks.
Prime Visa
CNBC Select Rating
4.5
On Amazon’s site
CNBC Select Rating
4.5
On Amazon’s site
Credit score
Good to Excellent670–850
Regular APR
18.99% – 27.74% variable
Annual fee
$0 (but Prime membership is required)
Welcome bonus
Limited-Time Offer: Get a $250 Amazon Gift Card
See rates and fees. Terms apply. Member FDIC.
The Prime Visa is only available to Amazon Prime members ($139 for an annual membership and $14.99 for a monthly membership) but is very rewarding for Amazon purchases.
High rate of return at Amazon and Whole Foods
Easy-to-earn welcome bonus
Requires an Amazon Prime membership
If you choose the promo APR you won’t earn rewards on those purchases
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
Limited-Time Offer: Get a $250 Amazon Gift Card instantly upon approval exclusively for Prime members
Best Amazon Gift Card offer for Prime Visa
Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
Earn unlimited 1% back on all other purchases
No annual credit card fee
No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
Member FDIC
Balance transfer fee
Either $5 or 4% of the amount of each transfer, whichever is greater
Best for new experiences
How it supports your goal: The Chase Sapphire Reserve offers you access to new and exclusive events each year, from behind-the-scenes experiences to preferred seating at major sporting events. The card also grants access to the Sapphire Exclusive Tables collection on OpenTable for some of the hardest-to-book restaurants in major cities.
Other great perks: The Sapphire Reserve is a great card for world travelers, offering over $2,700 in value each year. Enjoy Apple TV+ and Apple Music subscriptions, a DoorDash membership, StubHub and Lyft credits and much more.
Chase Sapphire Reserve®
CNBC Select Rating
5.0
On Chase’s site
CNBC Select Rating
5.0
On Chase’s site
Spotlight
Get more than $2,700 in annual value with Sapphire Reserve.
Credit score
Excellent740–850
Regular APR
19.74% – 28.24% variable
Annual fee
$795
Welcome bonus
Earn 125,000 bonus points
See rates and fees. Terms apply. Member FDIC.
Read our Chase Sapphire Reserve® review.
The Chase Sapphire Reserve® is a standout premium credit card with plenty of luxury perks and statement credits to justify its annual fee.
Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests.
Up to $300 in annual travel credit each account anniversary year
You can transfer rewards to all of Chase’s travel partners including World of Hyatt, Southwest Rapid Rewards and many more
Top-tier travel and shopping protections
High annual fee
Requires a high credit score
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select’s editorial staff.
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get more than $2,700 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase TravelSM, including The EditSM and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority PassTM Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each balance transfer, whichever is greater
Best for self-care
How it supports your goal: If you’re looking to treat yourself in the new year, the Wells Fargo Attune earns an unlimited 4% cash rewards across three categories, one being self-care. This includes beauty and barber shops, gym and fitness studios, health and beauty spas and massage parlors — perfect for de-stressing after the holidays.
Other great perks: In addition to self-care, the Wells Fargo Attune earns 4% cash rewards on select sports, recreation and entertainment, as well as on planet-friendly purchases. You can redeem your rewards for gift cards, statement credits and more.
Wells Fargo Attune℠ World Elite Mastercard®
Information about the Wells Fargo Attune℠ World Elite Mastercard® has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
Rewards
Earn 4% cash rewards on fitness and wellness; 4% cash rewards on select sports, recreation, and entertainment (including live shows and sporting events); 4% cash rewards on gardening and floral stores, as well as pet supplies, boarding and grooming; 4% cash rewards on public transit, EV charging stations, and select thrift stores. Plus earn 1% cash rewards on other purchases
Welcome bonus
Earn $100 in cash rewards when you spend $500 in qualifying purchases during the first 3 months after account opening.
Annual fee
$0
Intro APR
0% on purchases for the first 12 months after account opening
Regular APR
19.49%, 24.49%, or 29.49% variable based on your creditworthiness
Balance transfer fee
Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.
Foreign transaction fee
3% of each transaction converted to U.S. dollars
Credit needed
Excellent/Good
Terms apply
Pros
Earns cash rewards in wellness categories not typically seen in rewards cards
No annual fee
Introductory APR on purchases
Cons
Foreign transaction fee
No introductory APR on balance transfers
Best for building credit
How it supports your goal: The Discover it® Secured Card is great if you’re aiming to boost your finances. It has no annual fee, it doesn’t require a credit score for approval and the security deposit is refundable. Discover will report your activity to the three major credit bureaus, so using it responsibly will likely improve your credit score.
Other great perks: Starting in month seven and beyond, your account will be reviewed to determine if you qualify for an unsecured card. Plus, at the end of your first year, Discover will match all the cash back you’ve earned in the first 365 days of card ownership.
Discover cards are currently not available on CNBC Select. Click