two men and a woman at the gym on stationary bikes
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Promises to eat healthier or finally hit the gym are perennially found at the top of many Americans’ list of New Year’s resolutions.

In fact, according to a recent survey by Ipsos for Urban Plates, 51 percent of respondents said their 2020 goals included eating healthier, while 50 percent said they wanted to be more active. But 51 percent of people also cited goals related to their finances. This year, you can get your New Year’s resolution off to a great start by using credit card benefits that can help you meet your physical and financial goals.

Whether you’re starting a new gym routine, revamping your eating habits or looking to practice better self-care, here are some cards that can help you achieve your goals without sacrificing your wallet.

Rewards for purchasing gear

If you’re just getting started on your fitness journey or it’s time to refresh your old gear, use cards with retail rewards to save on purchases.

The U.S. Bank Cash+™ Visa Signature® Card is a great long-term option. Each quarter, you can select two categories from a list of 12 in which you’ll earn 5 percent cash back on each purchase you make (up to $2,000 in combined purchases each quarter). These categories include sporting goods stores, department stores and select clothing stores, which can help you stock up on gym clothes and equipment.

For another multipurpose option, consider the Amazon Prime Rewards Visa Signature Card, which offers 5 percent cash back at both Amazon.com and Whole Foods (with your Prime membership). You can set up your home gym or buy your workout gear on Amazon now, then continue making healthy choices at the grocery store year-round.

A general cash back card like the Chase Freedom Unlimited® can help you save, too. You’ll earn a flat 1.5 percent cash back on every purchase, which you can also pair and redeem with your Chase Sapphire Preferred Card or Chase Sapphire Reserve for a bigger boost in value through the Chase portal.

Rewards for memberships

Make sure you’re equipped to sustain your resolutions with savings on memberships throughout the year.

The World of Hyatt Credit Card, for example, offers 2 Bonus Points per dollar spent on fitness clubs and gym memberships. If you already frequent Hyatt hotel locations throughout the year, this can be a win-win for your goals.

As a cash back alternative, the U.S. Bank Cash+ Visa Signature card also offers a 5 percent cash back category option for gyms and fitness centers, so you can stock up on the workout gear you need early in the year and then continue to earn on your memberships each month.

Gym memberships can get notoriously pricey, so if your New Year’s goals involve a focus on fitness, collecting a few dollars back each month quickly adds up over time, making your commitment a bit more affordable.

Rewards for self-care

Wellness isn’t all about healthy eating and fitness tracking. Sometimes, you need a refresh for your spirit, too.

Consider using a card that earns Membership Rewards with American Express (like The Platinum Card® from American Express or the American Express® Gold Card) or one that earns Chase Ultimate Rewards Points (like the Chase Sapphire Preferred Card or Chase Sapphire Reserve) to save on spa treatments and other benefits at hotels around the world.

Gold and Platinum American Express cardholders, for example, have access to The Hotel Collection and can receive up to $100 in credit to spend on eligible dining, spa and resort activities during each hotel stay. If you’re already planning a vacation this year, this is a great way to recharge and make the most of your relaxation.

Zero percent cards for large purchases

If you’re committing to your resolution with a large, one-time purchase like a treadmill, free weights or stationary bike, a card with a zero percent introductory interest rate on new purchases can help you start using your equipment now while paying it off over time.

A card like the BankAmericard® credit card, which offers zero percent introductory interest rate on purchases for your first 18 billing cycles (14.49 percent to 24.49 percent variable APR thereafter), can be a great tool to help you pay for expensive health-related purchases.

Similarly, the Capital One® Quicksilver® Cash Rewards Credit Card offers a zero percent introductory interest rate on purchases for 15 months after account opening (15.49 percent to 25.49 percent variable APR thereafter). But you can also gain value aside from the introductory period: the Quicksilver earns 1.5 percent cash back on every purchase. That means you can earn $30 in cash back just on your $2,000 treadmill, then continue earning on every purchase you make throughout the year.

Bottom line

If your New Year’s goals include resolutions to improve your wellness in 2020, credit cards can be a helpful way to kick-start your journey without hurting your wallet. Like any search for a new credit card, take time to find a card with benefits and rewards that work best for your goals long-term and the purchases you make regularly.

The information about the U.S. Bank Cash+ Visa Signature Card, the Amazon Prime Rewards Visa Signature Card and the World of Hyatt Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.