your new year's resolutionUpdated: Jan. 14, 2019

We all know that making a New Year’s resolution is easy, but achieving or keeping it is a whole different story. Fortunately, there are a slew of credit cards that can help you keep your New Year’s resolution — and, better yet, some of them even help you earn rewards along the way. To help you find the right card for your needs and goals, we’ve compiled a list of the best cards for achieving your goals before 2019 comes to an end. To find out which new addition you should add to your wallet, read on.

What’s your New Year’s resolution?

If you want to get out of debt …

Debt is never something that anyone wants to deal with, but sometimes it can be easy to run into debt problems — especially after the holiday season or if you have a hefty medical bill. Luckily, if you’re looking to be debt-free in 2019, there are some steps you can take, including transferring your balance to a credit card with a lengthy 0% intro APR. Since all balance transfer cards aren’t created equal, here are a couple of cards that can make it easier for you to pay back the money you owe.

Wells Fargo Platinum Visa Card

your new year's resolutionThe Wells Fargo Platinum Visa Card is a great choice if you’re looking to get out of debt. That’s because it offers an 18-month 0% intro APR on purchases and on balance transfers made in the first 120 days of account opening. You’ll pay a balance transfer fee of 3% for 120 days (after that, it’s 5%), but the one-time fee is worth paying when you consider how long the 0% intro APR is. Besides helping you to get out of debt, this card, which requires good to excellent credit for approval (usually considered to be a credit score of 700 or higher), also has no annual fee and provides up to $600 in mobile protection against covered theft and damage (with a $25 deductible per claim and a maximum of 2 claims per year) when you pay your monthly cell phone bill with your card.

Citi Simplicity Card – No Late Fees Ever

your new year's resolutionThe Citi Simplicity Card – No Late Fees Ever (a NextAdvisor advertiser) is another credit card that can help you rid yourself of debt. The reason? This card offers a jaw-dropping 21-month 0% intro APR on balance transfers completed within the first 4 months (accompanied by a balance transfer fee of 5% of each balance transfer, $5 minimum) and a 12-month 0% intro APR on purchases. The card’s balance transfer fee is a bit higher than most other cards (5% compared to 3%), but it’s the only card we’ve seen that offers almost 2 years of no interest. To top things off, the Citi Simplicity Card – No Late Fees Ever also comes with no annual fee, no late fees and no penalty APR. This credit card requires good to excellent credit, typically considered to be a credit score of 700 or higher, for approval.

If you want to save money …

If you’re looking to saving money this year, there are credit cards that can help you do just that. Cash back credit cards are a solid option for saving money. While you won’t save in a traditional sense with these cards, you will earn cash back on every purchase you make, which you can then use to deposit into your bank account, use as a statement credit and more, depending on the card. Keep reading to see our favorite cash back credit cards.

Bank of America Cash Rewards credit card

your new year's resolutionOne cash back credit card to consider is the Bank of America Cash Rewards credit card. That’s because cardholders are able to earn 3% cash back on the category of your choice (choose from gas, online shopping, dining, travel, drug stores as well as home improvement and furnishings), 2% back at wholesale clubs and grocery stores (up the first $2,500 in choice category/wholesale club/grocery store purchases each quarter, then it’s 1% back) and 1% back on other purchases. On top of that, if you spend at least $500 on purchases in the first 90 days of account opening, you can earn a $150 online cash rewards bonus (note that you must apply online to earn this offer). What’s more, when Preferred Rewards Bank of America clients redeem their cash back rewards for a direct deposit into their account, they’ll get a 25% to 75% customer bonus, depending on their account status. Rewards can also be redeemed as a check and a statement credit. Additionally, cardholders will receive a 12-month 0% intro APR on purchases and on any balance transfer made in the first 60 days (with a balance transfer fee of either $10 or 3%, whichever is greater). The hefty perks for this card, which is available to those with good to excellent credit (usually considered a credit score of 700 or higher), don’t stop there, as owners of this card also get to enjoy a $0 annual fee.

Discover it Cash Back

keep your new year's resolutionAnother card that should be on your radar is Discover it Cash Back. Cardholders can earn 5% cash back on purchases within select categories each quarter they activate (up to the quarterly maximum, currently $1,500, then it’s 1%) and an unlimited 1% cash back on all other purchases. The opportunity to earn 5% cash back on rotating categories is something we’re especially fond of, as it means you can earn cash back on a handful of different purchases throughout the year. For example, 2019’s categories include groceries from January to March, gas stations, Uber and Lyft from April to June, restaurants from July to September as well as Amazon.com from October to December. On top of all of this, Discover matches your cash back at the end of your first year, meaning that 5% ends up being 10% back on the rotating categories (up to the quarterly maximum) and 1% becomes 2% cash back on your other purchases for the first year. This card’s perks don’t stop there though, as Discover it Cash Back also offers a 14-month 0% intro APR on both purchases and balance transfers (with a balance transfer fee of 3%) — after the 0% intro APR expires, a variable go-to rate applies. In addition, the card also comes with no annual fee and requires average to excellent credit (usually considered to be a credit score 670 or higher) for approval.

If you want to explore the world and travel …

Hoping to expand your horizons in 2019? A travel credit card could make it easier and cheaper for you to get to the places you want to explore. One of the following travel credit cards could be the jet-setting companion you need to add to your wallet.

Capital One Venture Rewards Credit Card

your new year's resolutionIf you’re looking to quench your thirst for adventure this year and keep your New Year’s resolution, make sure to consider getting the Capital One Venture Rewards Credit Card. This card offers you a huge one-time bonus of 50,000 miles after you spend $3,000 on purchases within 3 months from account opening (that bonus is equal to $500 in travel). And, as you may have guessed, the travel rewards don’t stop there. In addition to this bonus, you can also earn an unlimited 10X miles on hotels booked at Hotels.com/Venture and 2X miles on all other purchases you make. Plus, cardholders can worry less when they plan for their next getaway, since Capital One allows you to book travel with your card, then redeem your rewards for travel statement credit to cover the purchase — this means you fly on any airline and stay at any hotel, and no blackout dates allows you to fly at any time of the year! An additional perk that frequent fliers would appreciate? This card assists you with cutting down your wait time at the airport, since you can receive up to a $100 application fee credit for Global Entry or TSA PreCheck every 4 years. Lastly, a couple of other perks you’ll want to note: cardholders get to enjoy a $0 intro annual fee for the first year (the annual fee is $95 thereafter) and no foreign transaction fees. The Capital One Venture Rewards Credit Card requires good to excellent credit, which is usually considered to be a credit score of 700 or higher, for approval.

Barclaycard Arrival Plus World Elite Mastercard

your new year's resolutionAnother travel credit card that should be on your radar is the Barclaycard Arrival Plus World Elite Mastercard. Kicking things off is a limited-time 70,000-mile bonus that you can earn after spending $5,000 on purchases in the first 90 days — that bonus is redeemable for a $700 travel statement credit. Next, you’ll earn an unlimited 2X miles on all your purchases and get 5% miles back to use toward your next redemption every time you redeem your earned miles (minimum redemption amount is 5,000 miles). The Barclaycard Arrival Plus World Elite Mastercard, which is available to those with good to excellent credit (typically a score of 700 or higher), comes with an $89 annual fee that is waived the first year.

If you want to start your own business …

Now that the new year has begun, it’s the perfect time to make that business you’ve been dreaming of a reality. Starting an enterprise is difficult, but a business credit card could relieve some of the burdens of managing business expenses. And, as an extra bonus, our favorite business cards detailed below enable you to reap rewards on all of your business-related purchases.

Ink Business Cash Credit Card

your new year's resolutionThe Ink Business Cash Credit Card is one card you’ll want to consider getting if you’re starting a business. For one, it lets you earn a $500 cash back bonus after you spend $3,000 on purchases in the first 3 months from account opening. On top of that, you’ll earn 5% cash back at office supply stores and on Internet, cable and phone services (up to the first $25,000 spent in combined purchases each account anniversary year), 2% cash back at gas stations and restaurants (up to the first $25,000 spent in combined purchases each account anniversary year) and 1% cash back on all other purchases. In addition, this card offers a 12-month 0% intro APR on purchases and balance transfers (with a balance transfer fee of either $5 or 5%, whichever is greater), and it also comes with no annual fee. This card is available to business owners with excellent credit — usually considered a credit score of 750 or higher.

If you are looking for a similar card but don’t want to worry about cash back spending categories, the Ink Business Unlimited Credit Card could be the perfect choice for you. Like the Ink Business Cash Credit Card, this card also offers cardholders a $500 cash back bonus after spending $3,000 on purchases in the first 3 months, no annual fee and a 12-month 0% intro APR on purchases and balance transfers (with a balance transfer fee of either $5 or 5%, whichever is greater). Unlike the previously mentioned card, the Ink Business Unlimited Credit Card offers an unlimited 1.5% cash back on every purchase made for your business, allowing you to not fret about which category you need to spend in to earn cash back. The card is also available to those with excellent credit (typically a score of 750 or higher).

SimplyCash Plus Business Credit Card from American Express

your new year's resolutionIf one of the Ink Business cards don’t seem to fit the bill, look toward the SimplyCash Plus Business Credit Card from American Express (a NextAdvisor advertiser). This card earns 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores (up to the first $50,000 spent, then it’s 1% back), 3% cash back on the first $50,000 spent in the category of your choice (there are eight to choose from!) and 1% cash back on other eligible purchases. In addition to all this, you get a lengthy 15-month 0% intro APR on purchases, and the card comes with no annual fee. Finally, the SimplyCash Plus Business Credit Card from American Express requires good to excellent credit (usually considered a credit score of 700 or higher) for approval.

If you want to rebuild or build your credit …

Having a great credit history is one of the ways to expand your opportunities, including getting that dream home or job you want. As such, resolving to rebuild or build your credit in 2019 can be a way to improve your prospects, and a great secured credit card can help you do exactly that (with responsible use of the card). That’s because secured credit cards act like traditional (unsecured) credit cards, but unlike traditional cards, secured cards allow you to build a credit history (most of the cards we review report to all 3 credit bureaus). Since they’re for individuals with poor or no credit history, secured credit cards are guaranteed by a one-time security deposit, which assists with holding you accountable when you’re spending with your card. The deposit is required to open the account, and it will be returned to you when the account is closed or upgraded to an unsecured card (assuming the deposit wasn’t used to cover a missed payment). If you’re hoping to rebuild or build your credit this year, the following secured credit cards can help you keep your New Year’s resolution.

Discover it Secured

your new year's resolutionThe Discover it Secured card reports to all 3 credit bureaus every month, helping you to establish your credit when you use the card responsibly. But this card can do more than just help you build your credit history, as it also offers cash back rewards. You’ll earn 2% cash back at gas stations and restaurants (up to the quarterly maximum, currently $1,000 in combined purchases, then it’s 1% back) and an unlimited 1% cash back on all other purchases. Discover will even match all the cash back you’ve earned at the end of your first year — this means if you earn $100 cash back in the first year, Discover will match that $100 to give you a total of $200 back! Discover it Secured also comes with no annual fee, and you’ll even get automatic account reviews 8 months in to see if you can be transitioned to an unsecured line of credit. This card requires a security deposit of $200 to $2,500, which will establish your credit line.

Citi Secured Mastercard

your new year's resolutionAnother secured credit card that you’ll want to consider is the Citi Secured Mastercard. While it doesn’t offer cash back rewards like Discover it Secured, it does report account activity to all 3 credit bureaus every month and comes with no annual fee. To fund the account, you’ll have to deposit between $200 and $2,500 (the deposit amount is based on your credit history), and your security deposit is fully refunded if your account is up-to-date and paid on time when you close your card.

More options that can help you keep your New Year’s resolution

It can be difficult to keep your New Year’s resolution when hitches and obstacles come up, but these cards can make it easier to stick to your goals. Not seeing the right card for you? Visit our credit card reviews to find the perfect card for you. Plus, follow our credit cards blog to discover how to strategically and responsibly use your credit cards.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.