Best credit cards for fitness spending

Earn points or cash back while working up a sweat? Yup, it’s doable.

If one of your 2025 resolutions is to try a new at-home workout program or hit your favorite fitness studio more regularly, we can help you maximize your credit card rewards while doing so.

You may already know how to earn points on travel, dining and purchases in numerous other categories. But you can also turn your sweat equity into valuable rewards while working out, too.

From CrossFit and calisthenics to bodyweight exercises and Bollywood dance routines, the options are endless — and with the right credit card in hand, you’ll be able to reap financial benefits, too.

The best cards for gyms, fitness classes and equipment

Whether you already belong to a gym, want to try a new spot or are considering changing your usual workout, these cards can help you earn rewards while hitting your fitness goals.

The information for the U.S. Bank Cash+ has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Beyond gym memberships and workout classes, we also expanded the criteria for this list to include cards that earn when you purchase fitness gear and athletic apparel, which can generate at least 2 points per dollar spent (and in some cases, up to 5 points per dollar spent).

Peloton fans who don’t mind paying an elevated annual fee will find a lot of value out of the Chase Sapphire Reserve.

Daily Newsletter

Reward your inbox with the TPG Daily newsletter

Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts

Rewards: Earn 10 points per dollar spent on Peloton equipment and accessory purchases over $150 (through March 2025) — up to a maximum of 50,000 points. You’ll also earn 10 points per dollar spent on hotels and car rentals booked through Chase Travel℠, 10 points per dollar spent on Chase Dining, 10 points per dollar spent on Lyft rides (through March 2025), 5 points per dollar spent on flights booked with Chase Travel, 3 points per dollar spent on other travel purchases and dining and 1 point per dollar spent on other purchases.

Note that you won’t receive elevated earning rates on travel purchases until you spend the first $300 (the travel credit that comes with the Sapphire Reserve) on travel annually.

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

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

Annual fee: $550

Keep in mind: The Sapphire Reserve is one of our favorite travel credit cards, providing benefits like lounge access and insurance protections. While it won’t provide free access to gyms or monitor your health goals, it can help you earn heaps of points when buying Peloton equipment. From our valuations, you can get approximately a 20% return on spending.

To learn more, see our full review of the Chase Sapphire Reserve.

Apply here: Chase Sapphire Reserve

Chase Sapphire Preferred Card

If you’re a fan of Peloton but don’t want to pay the Sapphire Reserve’s exorbitant annual fee, try the Chase Sapphire Preferred instead.

Rewards: Earn 5 points per dollar spent on travel booked through Chase Travel, 5 points per dollar spent on Peloton equipment and accessory purchases over $150 (through March 2025, with a limit of 25,000 bonus points), 5 points per dollar spent on Lyft purchases (through March 2025), 3 points per dollar spent on dining, select streaming services and online grocery store purchases (excludes Target®, Walmart® and wholesale clubs), 2 points per dollar spent on all travel not booked through Chase Travel and 1 point per dollar spent on everything else.

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

Annual fee: $95

Keep in mind: Like the Sapphire Reserve, the Sapphire Preferred is great for travel and for earning points on Peloton purchases. On top of a $50 annual hotel credit and moderate annual fee, you also can receive a roughly 10% return on spending for Peloton purchases, based on our valuations.

To learn more, see our full review of the Chase Sapphire Preferred.

Apply here: Chase Sapphire Preferred

World of Hyatt Credit Card

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

Rewards: Earn 4 points per dollar spent on purchases at Hyatt hotels, 2 points per dollar spent at restaurants, select travel and commuting, fitness clubs and gym memberships and 1 point per dollar spent on all other purchases.

Welcome bonus: Earn 30,000 bonus points after spending $3,000 on purchases in the first three months, plus up to an additional 30,000 bonus points by earning 2 bonus points total per $1 spent in the first six months from account opening on purchases that normally earn 1 bonus point, on up to $15,000 spent.

Since TPG values Hyatt points at 1.7 cents apiece as of December 2024, this bonus is worth up to $1,020.

Annual fee: $95

Keep in mind: The World of Hyatt card earns 2 points per dollar spent on fitness clubs and gym memberships — a nice return that can be used toward a Hyatt redemption.

You can also earn up to two free nights per year on Hyatt properties by using this card. You’ll receive a free night certificate usable at a Category 1-4 property after your card anniversary and can earn a second free night at a Category 1-4 property by spending $15,000 on the card in a cardmember year.

To learn more, see our full review of the World of Hyatt card.

Apply here: World of Hyatt card

Chase Freedom Flex

If you’re looking for a well-rounded card to add to your wallet, look no further than the Chase Freedom Flex.

Rewards: Earn 5% back on up to the first $1,500 spent on rotating categories each quarter (activation required). Earn 3% back on dining (including takeout and eligible delivery services) and on drugstore purchases, and earn 1% back on all other purchases.

Welcome bonus: Earn $200 cash back after spending $500 on purchases in the first three months from account opening.

Annual fee: $0

Keep in mind: The Freedom Flex could be a great option when its quarterly bonus categories include gym memberships. However, you’ll only earn bonus rewards on gym memberships for that quarter. After that, your earning rate will drop to 1% back.

These bonus rewards can be even more lucrative if you also have a higher-end Chase card in your wallet — like the Chase Sapphire Preferred or Chase Sapphire Reserve. That’s because you can combine your rewards from both cards into a single account, allowing you to convert the cash-back rewards on the Freedom Flex into fully transferable Chase Ultimate Rewards points.

To learn more, see our full review of the Chase Freedom Flex.

Apply here: Chase Freedom Flex

Bilt Mastercard

If you rent, you’ll want to apply for the Bilt Mastercard so you can earn points on rent (up to 100,000 points per year).

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

Rewards: Earn 3 points per dollar spent on dining and 2 points per dollar spent on travel. Additionally, earn up to one point per dollar spent on rent with no transaction fees on the first $100,000 spent (up to 100,000 points in a calendar year). Use your card at least five times each statement period to earn points on all purchases. See Rewards & Benefits for more.

Welcome bonus: None

Annual fee: No annual fee

Keep in mind: The Bilt Mastercard is the first and only card on the market that allows you to pay your rent with no transaction fees (see rates and fees).

Beyond that, there’s a key reason why this card is included as a great option for fitness purchases: You can redeem your points for some of the most popular exercise classes in the world, including SoulCycle, starting at 3,000 points a class.

Bilt Rewards points are quite valuable, as they can be transferred at a 1:1 rate to a wide range of airline and hotel loyalty programs. Some of our favorite transfer partners include Aeroplan and World of Hyatt. Other redemption options include future mortgage or rent payments, merchandise and more. See the full rewards and benefits here.

To learn more, see our full review of the Bilt Mastercard.

Apply here: Bilt Mastercard

U.S. Bank Cash+ Visa Signature Card

If you’d prefer to earn cash back, the U.S. Bank Cash+ card may just be the right choice for you.

Rewards: Earn 5% cash back on your first $2,000 in eligible purchases each quarter on the combined two categories you choose; 2% cash back on your choice of one everyday category, such as gas stations or grocery stores; and 1% cash back on all other eligible purchases.

Gyms/fitness centers and sporting goods stores are two of the categories available for 5% earning, allowing you to earn bonus cash-back on your fitness purchases.

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

Annual fee: $0

Keep in mind: While you must enroll each quarter in the categories of your choice to earn 5% cash back, it’s nice to be able to periodically change your selection. Not able to make use of 5% back on gyms this quarter? Pick something else — including TV, internet and streaming services — and save gyms for later this year.

It’s worth noting that U.S. Bank says the category options are subject to change quarterly and that your 5% bonus earnings are capped at $100 per quarter.

Learn more: U.S. Bank Cash+ Visa Signature Card

Prime Visa

If you’re an Amazon Prime member, consider applying for the Prime Visa to get the most out of your Amazon purchases.

Rewards: Earn 5% back at Amazon.com and at Whole Foods Market; 5% back on Chase Travel purchases; 2% back at restaurants, gas stations and local transit and commuting; and 1% back on all other purchases. Additionally, earn 10% or more on a rotating selection of items and categories on Amazon.com.

Welcome bonus: Receive a $150 Amazon gift card instantly upon approval for Prime members.

Annual fee: None — but you must be an Amazon Prime member to qualify. Prime subscriptions now cost $139 annually.

Keep in mind: This card offers best-in-class earnings on purchases at Amazon. With such a large selection of workout equipment, gear and exercise apparel available, we consider it a card that is worthy of mention. You can purchase weights, yoga mats, running gear, stationary bikes and much more to build your own home gym.

This card doesn’t technically come with a bonus rewards category for athletic gear, but any clothing, gear or equipment you purchase on Amazon.com should receive 5% cash back.

To learn more, see our full review of the Prime Visa.

Apply here: Prime Visa

The Platinum Card from American Express

Despite its incredibly high annual fee, the Amex Platinum has a lot to offer the right person.

Rewards: Earn 5 points per dollar spent on flights booked directly with airlines or with American Express Travel (on up to $500,000 on these purchases per calendar year, then 1 point per dollar after that), 5 points per dollar spent on prepaid hotels through American Express Travel and 1 point per dollar spent on all other eligible purchases.

Welcome offer: Earn 80,000 points after spending $8,000 on purchases within the first six months of card membership. You may be targeted for a higher welcome offer through the CardMatch tool; offers are subject to change at any time, and not everyone will be targeted for the same welcome offer.

Annual fee: $695 (see rates and fees)

Keep in mind: While you’ll only earn 1 point per dollar spent on gym memberships and fitness clubs, Amex Platinum cardmembers can get up to $300 back each calendar year in statement credits for eligible U.S. Equinox memberships or the Equinox+ app. Enrollment is required in advance, and terms apply; memberships are subject to auto-renewal.

Whether you choose to work out at home or in person, Equinox members can enjoy a discount on their membership costs thanks to the Amex Platinum.

To learn more, see our full review of the Amex Platinum Card.

Apply here: Amex Platinum

If you don’t love any of these options, you can still use a card that’s a solid pick for everyday spending. Some of these options include:

These are normal earning rates on these cards — but it doesn’t make them any less lucrative.

Note that you should also check for discounts on your cards through programs like Amex Offers and Chase Offers. These are limited and almost always one-time discounts, but can still provide value.

Finally, if you plan on purchasing exercise equipment and want extra time to pay it off, you may want to look at a card with 0% introductory APR. Just be sure to pay off the entire amount before the end of that promotional period. Otherwise, you could be hit with massive interest charges.

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

For rates and fees of the Amex Platinum, click here.
For rates and fees of the Bilt Mastercard, click here.
For rewards and benefits of the Bilt Mastercard, click here.