Best credit cards for fitness spending

Earn factors or money again whereas working up a sweat? Yup, it is doable.

If considered one of your 2025 resolutions is to strive a brand new at-home exercise program or hit your favourite health studio extra commonly, we will help you maximize your bank card rewards whereas doing so.

You could already know methods to earn factors on travel, dining and purchases in quite a few other categories. However you can even flip your sweat fairness into priceless rewards whereas figuring out, too.

From CrossFit and calisthenics to body weight workout routines and Bollywood dance routines, the choices are infinite — and with the right credit card in hand, you’ll reap monetary advantages, too.

The perfect playing cards for gyms, health lessons and tools

Whether or not you already belong to a gymnasium, need to strive a brand new spot or are contemplating altering your traditional exercise, these playing cards will help you earn rewards whereas hitting your health targets.

The knowledge 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.

Past gymnasium memberships and exercise lessons, we additionally expanded the factors for this checklist to incorporate playing cards that earn once you buy health gear and athletic attire, which may generate not less than 2 factors per greenback spent (and in some circumstances, as much as 5 factors per greenback spent).

Peloton followers who do not thoughts paying an elevated annual charge will discover a variety of worth out of the Chase Sapphire Reserve.

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Rewards: Earn 10 factors per greenback spent on Peloton equipment and accessory purchases over $150 (via March 2025) — as much as a most of fifty,000 factors. You will additionally earn 10 factors per greenback spent on resorts and automotive leases booked via Chase Travel℠, 10 factors per greenback spent on Chase Dining, 10 factors per greenback spent on Lyft rides (via March 2025), 5 factors per greenback spent on flights booked with Chase Journey, 3 factors per greenback spent on different journey purchases and eating and 1 level per greenback spent on different purchases.

Be aware that you just will not obtain elevated incomes charges on journey purchases till you spend the primary $300 (the journey credit score that comes with the Sapphire Reserve) on journey yearly.

Welcome bonus: Earn 60,000 bonus factors after spending $4,000 on purchases inside three months of account opening.

As of December 2024, TPG values this bonus at $1,230.

Annual charge: $550

Consider: The Sapphire Reserve is considered one of our favourite journey bank cards, offering advantages like lounge entry and insurance coverage protections. Whereas it will not present free entry to gyms or monitor your well being targets, it may well enable you earn heaps of factors when shopping for Peloton tools. From our valuations, you will get roughly a 20% return on spending.

To study extra, see our full review of the Chase Sapphire Reserve.

Apply right here: Chase Sapphire Reserve

Chase Sapphire Most popular Card

Should you’re a fan of Peloton however do not need to pay the Sapphire Reserve’s exorbitant annual charge, strive the Chase Sapphire Preferred as a substitute.

Rewards: Earn 5 factors per greenback spent on journey booked via Chase Journey, 5 factors per greenback spent on Peloton tools and accent purchases over $150 (via March 2025, with a restrict of 25,000 bonus factors), 5 factors per greenback spent on Lyft purchases (via March 2025), 3 factors per greenback spent on eating, choose streaming companies and on-line grocery retailer purchases (excludes Goal®, Walmart® and wholesale golf equipment), 2 factors per greenback spent on all journey not booked via Chase Journey and 1 level per greenback spent on the whole lot else.

Welcome bonus: Earn 60,000 bonus factors after spending $4,000 within the first three months from account opening. As of December 2024, TPG values this bonus at $1,230.

Annual charge: $95

Consider: Just like the Sapphire Reserve, the Sapphire Most popular is nice for journey and for incomes factors on Peloton purchases. On high of a $50 annual hotel credit and average annual charge, you can also obtain a roughly 10% return on spending for Peloton purchases, primarily based on our valuations.

To study extra, see our full review of the Chase Sapphire Preferred.

Apply right here: Chase Sapphire Preferred

World of Hyatt Credit score Card

Should you’re a Hyatt loyalist, it is a no-brainer to get the World of Hyatt card.

Rewards: Earn 4 factors per greenback spent on purchases at Hyatt resorts, 2 factors per greenback spent at eating places, choose journey and commuting, health golf equipment and gymnasium memberships and 1 level per greenback spent on all different purchases.

Welcome bonus: Earn 30,000 bonus factors after spending $3,000 on purchases within the first three months, plus as much as an extra 30,000 bonus factors by incomes 2 bonus factors whole per $1 spent within the first six months from account opening on purchases that usually earn 1 bonus level, on as much as $15,000 spent.

Since TPG values Hyatt factors at 1.7 cents apiece as of December 2024, this bonus is price as much as $1,020.

Annual charge: $95

Consider: The World of Hyatt card earns 2 factors per greenback spent on health golf equipment and gymnasium memberships — a pleasant return that can be utilized towards a Hyatt redemption.

You can even earn as much as two free nights per yr on Hyatt properties through the use of this card. You will obtain a free night certificate usable at a Class 1-4 property after your card anniversary and may earn a second free night time at a Class 1-4 property by spending $15,000 on the cardboard in a cardmember yr.

To study extra, see our full review of the World of Hyatt card.

Apply right here: World of Hyatt card

Chase Freedom Flex

Should you’re on the lookout for a well-rounded card so as to add to your pockets, look no additional than the Chase Freedom Flex.

Rewards: Earn 5% again on as much as the primary $1,500 spent on rotating classes every quarter (activation required). Earn 3% again on eating (together with takeout and eligible supply companies) and on drugstore purchases, and earn 1% again on all different purchases.

Welcome bonus: Earn $200 money again after spending $500 on purchases within the first three months from account opening.

Annual charge: $0

Consider: The Freedom Flex may very well be a fantastic choice when its quarterly bonus categories embody gymnasium memberships. Nevertheless, you may solely earn bonus rewards on gymnasium memberships for that quarter. After that, your incomes price will drop to 1% again.

These bonus rewards might be much more profitable for those who even have a higher-end Chase card in your pockets — just like the Chase Sapphire Preferred or Chase Sapphire Reserve. That is as a result of you may mix your rewards from each playing cards right into a single account, permitting you to transform the cash-back rewards on the Freedom Flex into totally transferable Chase Ultimate Rewards factors.

To study extra, see our full review of the Chase Freedom Flex.

Apply right here: Chase Freedom Flex

Bilt Mastercard

Should you lease, you may need to apply for the Bilt Mastercard so you may earn factors on lease (as much as 100,000 factors per yr).

Editor’s observe: TPG founder Brian Kelly is a Bilt adviser and investor.

Rewards: Earn 3 factors per greenback spent on eating and a couple of factors per greenback spent on journey. Moreover, earn as much as one level per greenback spent on lease with no transaction charges on the primary $100,000 spent (as much as 100,000 factors in a calendar yr). Use your card not less than 5 instances every assertion interval to earn factors on all purchases. See Rewards & Benefits for extra.

Welcome bonus: None

Annual charge: No annual charge

Consider: The Bilt Mastercard is the primary and solely card in the marketplace that means that you can pay your rent with no transaction fees (see rates and fees).

Past that, there is a key purpose why this card is included as a fantastic choice for health purchases: You’ll be able to redeem your factors for a few of the hottest train lessons on this planet, together with SoulCycle, beginning at 3,000 factors a category.

Bilt Rewards factors are fairly priceless, as they are often transferred at a 1:1 price to a variety of airline and lodge loyalty packages. A few of our favourite switch companions embody Aeroplan and World of Hyatt. Different redemption choices embody future mortgage or lease funds, merchandise and extra. See the full rewards and benefits here.

To study extra, see our full review of the Bilt Mastercard.

Apply right here: Bilt Mastercard

U.S. Financial institution Money+ Visa Signature Card

Should you’d choose to earn money again, the U.S. Financial institution Money+ card may be the correct alternative for you.

Rewards: Earn 5% money again in your first $2,000 in eligible purchases every quarter on the mixed two classes you select; 2% money again in your alternative of 1 on a regular basis class, resembling gasoline stations or grocery shops; and 1% money again on all different eligible purchases.

Gyms/health facilities and sporting items shops are two of the classes accessible for five% incomes, permitting you to earn bonus cash-back in your health purchases.

Signal-up bonus: Earn $200 after spending $1,000 in eligible purchases within the first 90 days of account opening.

Annual charge: $0

Consider: Whilst you should enroll every quarter within the classes of your option to earn 5% money again, it is good to have the ability to periodically change your choice. Not in a position to make use of 5% again on gyms this quarter? Decide one thing else — together with TV, web and streaming services — and save gyms for later this yr.

It is price noting that U.S. Financial institution says the class choices are topic to alter quarterly and that your 5% bonus earnings are capped at $100 per quarter.

Study extra: U.S. Bank Cash+ Visa Signature Card

Prime Visa

Should you’re an Amazon Prime member, take into account making use of for the Prime Visa to get probably the most out of your Amazon purchases.

Rewards: Earn 5% again at Amazon.com and at Entire Meals Market; 5% again on Chase Journey purchases; 2% again at eating places, gasoline stations and native transit and commuting; and 1% again on all different purchases. Moreover, earn 10% or extra on a rotating collection of gadgets and classes on Amazon.com.

Welcome bonus: Obtain a $150 Amazon reward card immediately upon approval for Prime members.

Annual charge: None — however you should be an Amazon Prime member to qualify. Prime subscriptions now price $139 yearly.

Consider: This card provides best-in-class earnings on purchases at Amazon. With such a big collection of exercise tools, gear and train attire accessible, we take into account it a card that’s worthy of point out. You should buy weights, yoga mats, operating gear, stationary bikes and way more to construct your individual dwelling gymnasium.

This card would not technically include a bonus rewards class for athletic gear, however any clothes, gear or tools you buy on Amazon.com ought to obtain 5% money again.

To study extra, see our full review of the Prime Visa.

Apply right here: Prime Visa

The Platinum Card from American Categorical

Regardless of its extremely excessive annual charge, the Amex Platinum has lots to supply the correct particular person.

Rewards: Earn 5 factors per greenback spent on flights booked immediately with airways or with American Express Travel (on as much as $500,000 on these purchases per calendar yr, then 1 level per greenback after that), 5 factors per greenback spent on pay as you go resorts via American Categorical Journey and 1 level per greenback spent on all different eligible purchases.

Welcome supply: Earn 80,000 factors after spending $8,000 on purchases throughout the first six months of card membership. You could be focused for a better welcome supply via the CardMatch tool; provides are topic to alter at any time, and never everybody will probably be focused for a similar welcome supply.

Annual charge: $695 (see rates and fees)

Consider: Whilst you’ll solely earn 1 level per greenback spent on gymnasium memberships and health golf equipment, Amex Platinum cardmembers can stand up to $300 again every calendar yr in assertion credit for eligible U.S. Equinox memberships or the Equinox+ app. Enrollment is required prematurely, and phrases apply; memberships are topic to auto-renewal.

Whether or not you select to work out at dwelling or in particular person, Equinox members can take pleasure in a reduction on their membership prices due to the Amex Platinum.

To study extra, see our full review of the Amex Platinum Card.

Apply right here: Amex Platinum

Should you do not love any of those choices, you may nonetheless use a card that is a solid pick for everyday spending. A few of these choices embody:

These are regular incomes charges on these playing cards — but it surely would not make them any much less profitable.

Be aware that you just also needs to examine for reductions in your playing cards via packages like Amex Presents and Chase Presents. These are restricted and nearly all the time one-time reductions, however can nonetheless present worth.

Lastly, for those who plan on buying train tools and need additional time to pay it off, you might need to take a look at a card with 0% introductory APR. Simply make sure you repay the complete quantity earlier than the top of that promotional interval. In any other case, you would be hit with huge curiosity costs.

Apply right here: Chase Sapphire Reserve
Apply right here: Chase Sapphire Preferred Card
Apply right here: World of Hyatt Credit Card
Apply right here: Chase Freedom Flex
Apply right here: Bilt Mastercard
Apply right here: Amex Platinum

For charges and charges of the Amex Platinum, click on here.
For charges and charges of the Bilt Mastercard, click on here.
For rewards and advantages of the Bilt Mastercard, click on here.