New Year’s Eve spells the end of the modern holiday season, but that doesn’t mean the fun has to stop. Entertaining and dining are critical aspects of ringing in the new year, so make sure your wallet (either physical or mobile wallet) is holding one of these top credit cards for entertaining and ringing in the New Year:
At a Glance
The Best Cards for New Year's Eve Celebrations
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
- 18.99% – 28.99% (Variable) Regular Purchase APR
- 18.99% – 28.99% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
- 0% for 15 months on Purchases Intro Purchase APR
At a Glance
The Citi Custom Cash? Card is a generous cash back credit card that offers up to 5% back on eligible purchases. The card, from Citi, does not charge an annual fee and rewards 5% back on the top spending category each month, with options including transit, travel, gas, groceries, dining, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% – 28.99%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- Intro Purchase APR: 0% for 15 months on Purchases
- Regular Purchase APR: 18.99% – 28.99% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
- Balance Transfer APR: 18.99% – 28.99% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 5% back but do’t want quarterly categories
- You plan on spending $1,500 within the first 90 days
- You have a large purchase in mind that you want to pay down over time
- You plan on transferring an existing balance within the first four months
- You don’t want to pay an annual fee
The Citi Custom Cash℠ Card is a generous, no annual fee cash back credit card that offers up to 5% back on eligible purchases. Unlike other 5% rotating cards (like the Discover It and Chase Freedom Flex), the Custom Cash earns 5% back on your highest spending category each billing period.
The 5% back in rewards applies to the first $500 spent every billing period. Any eligible purchases after that threshold will earn 1% back. Here are the 5% back categories:
| Dining | Fitness clubs | Grocery stores |
| Drugstores | Gas stations | Home improvement stores |
| Travel & transit (select) | Live entertainment | Streaming service (select) |
Other noteworthy features of the Custom Cash credit card from Citi include 15 months of 0% intro APR on purchases and balance transfers and a $200 cash back welcome bonus after making $750 in purchases within the first three months.
If you are looking for a cash back credit card to power you through this New Year, look no further than Custom Cash.
The Platinum Card® from American Express
The Platinum Card® from American Express
The Platinum Card® from American Express
- See Pay Over Time APR Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Luxury is always within reach when you use The Platinum Card® from American Express. This exclusive rewards card offers premium travel rewards and a host of additional perks for the savvy voyager. Uber Cash and complimentary lounge access are just a few of the more practical perks that lend ongoing value to Platinum Card members beyond the impressive signup bonus.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel
- 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline
- Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required
- $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®
- VIP status and $200 Uber savings on rides or eats orders in the U.S. annually
- Complimentary Gold status in Marriott Bonvoy and Hilton Honors programs
- Complimentary membership in premium car rental programs
- $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership
- $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax
- Terms Apply
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: See Rates & Fees
- Annual Fee: $695
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You travel often and can take advantage of a myriad of benefits including access to airport lounges and Uber credits
- you intend to sign up for Global Entry or TSA Pre?®
- You prefer airline flexibility when redeeming points for travel
- You’re likely spend $6,000 within the first six months as a cardholder to receive the card’s welcome offer
- You’ll take advantage of exclusive events and experiences available only to Platinum cardholders
The Platinum Card from American Express might not be the first name that comes to mind for entertaining, but it should rank high on the list. While the card is primarily a luxury travel card thanks to lounge access, impressive points on flights and hotels, and more, it is also an excellent entertainment card thanks to a huge selection of statement credits added this year.
Those credits run the gamut from travel to entertainment and include:
- Streaming and Digital Entertainment Credit: Up to $20 back each month as a credit when using the Platinum Card to pay the subscription fee for Audible, New York Times, Peacock, or SiriusXM subscription costs.
- Equinox Credit: Platinum Cardholders receive a $25 credit each month towards Equinox membership and services. Equinox is an upscale private gym with locations in major cities across the U.S.
- Hotel Credit: Up to $200 per year for select prepaid hotel bookings made through Amex Travel.
- Airline Incidentals Credit: Up to $200 per year for incidental purchases with a preselected carrier.
- Walmart+: A $12.95 statement credit each month when using the Platinum Card to purchase a Walmart+ subscription.
- SoulCycle: Up to $300 in statement credits when purchasing a SoulCycle bike with the Platinum Card (up to 15 bikes per year).
- Uber: Up to $200 in credits when using the Platinum Card for Uber/ UberEATS purchases. Applies to the primary account holder only.
Keep in mind that the Platinum Card from Amex features a new $695 annual fee. That fee is by far the largest of any card by a major issuer, trailing only invite-only cards or ultra-luxury credit cards like the Mastercard® Gold Card™ from Luxury Card.
Capital One® Savor® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit Card
- 19.99% – 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.99% – 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Make memories while funding future adventures with the Capital One® Savor® Cash Rewards Credit Card. This exclusive entertainment credit card boasts an unlimited 4% cash back on streaming, dining, and entertainment is a great card for couples, families, and social butterflies.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 4% cash back on dining, entertainment, and popular streaming services
- Earn 3% at grocery stores
- Earn 1% on all other purchases
- Earn 8% cash back on tickets through Vivid Seats
- Receive $9.99 statement credit after paying for Postmates Unlimited membership
- Enjoy comprehensive, personalized assistance in dining, entertainment and travel— 24 hours a day, 365 days a year
- Regular Purchase APR: 19.99% – 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.99% – 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- You want to earn an unlimited 4% cash back on streaming, dining, and entertainment, 3% at grocery stores, and 1% on all other purchases
- You see yourself spending $3,000 within the first 3 months of opening the card to earn that one-time $300 cash bonus
- You live for unique dining, entertainment, and sports experiences
- You want complimentary food delivery membership through Postmates
The Capital One® Savor® Cash Rewards Card is consistently one of the best entertainment credit cards on the market today. The $95 annual fee card earns an impressive 4% cash back on dining and entertainment, 2% back at grocery stores, and 1% cash back on all other eligible purchases.
The Savor also comes with complementary Postmates food delivery. This entertainment benefit offers $99 in value, effectively recouping the $95 annual fee – and earning 4% back on each order!
Other features of the Savor Cash Rewards Card include:
- $300 cash back sign-up bonus after making $3,000 in eligible purchases within the first three months of account opening
- Rewards never expire if the account is open and in good standing
- No foreign transaction fees
- World Mastercard benefits and protections
U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card
U.S. Bank Cash+® Visa Signature® Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening Intro Purchase APR
At a Glance
The U.S. Bank Cash + Visa Signature Card is an excellent cash back credit card that gives holders the power to decide how they earn their cash back. The card earns 5% back on two select categories you choose, 2% back on one “everyday” category a user selects, and 1% back on all other purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
- 1% cash back on all other eligible purchases
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan
- Terms and conditions apply
- Intro Purchase APR: 0% for 15 months from account opening
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want the ability to choose your enhanced cash back categories
- You like the freedom of switching categories each quarter
- You don’t want to pay an annual fee
The U.S. Bank Cash+™ Visa Signature® Card gives cardholders the power to decide how they earn their cash back.
The card is similar to the Citi Custom Cash in that it offers cardholders up to 5% back on the first $2,000 in combined eligible purchases in the following categories:
| TV, internet, and streaming services | Cell phone providers | Electronics stores |
| Fast food | Home utilities | Furniture stores |
| Department stores | Clothing stores | Movie theaters |
| Ground transportation | Fitness centers | Sporting goods stores |
Other noteworthy features of the Cash+ Card from U.S. Bank include:
- No annual fee
- 0% intro APR for 15 billing cycles on purchases and balance transfers
- $200 cash back sign-up bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
Featured photo by Afishera/ PixaBay
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