Each January, many people begin frequenting the gym and prioritizing healthier choices. This is often driven by New Year’s resolutions or the desire to get in shape for upcoming vacations. Using credit cards with fitness rewards can include valuable credits and other benefits to help you meet your goals. Learn how to maximize rewards, what benefits these cards offer, and tips for maximizing credit cards for fitness enthusiasts.
Top credit cards offering fitness perks in 2025
With so many choices, many people wonder which credit card to use for gym membership and fitness classes. We’ve selected nine of the best credit cards for gym memberships to help you maximize rewards and benefits.
Best for rotating cash back: card_name
The card_name is a rewards credit card that offers rotating bonus categories. When you activate the quarterly bonus categories, you’ll earn 5% cash back on the first $1,500 you spend on eligible purchases. For the first three months of 2025 (January to March), the bonus categories include fitness clubs, gym memberships, grocery stores (excluding Walmart and Target), Norwegian Cruise Line, and hair, nails, and spa services. discontinued_disclaimer Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
Best for luxury travelers: card_name
While card_name discontinued_disclaimer is known as a premium luxury travel credit card, it also includes valuable benefits for cardholders who want to get healthier. The card includes up to $300 in credits each year toward an Equinox+ subscription or an Equinox club membership. You’ll also get $300 back when you purchase a SoulCycle at-home bike in full. Platinum cardholders can also eat healthier by preparing more meals at home. Get monthly credits of up to $12.95 per month toward a Walmart+ membership. American Express is a CardRatings advertiser. Terms apply. Enrollment may be required for select benefits.
Best for Peloton users: card_name and card_name
Whether you have the card_name or card_name, you’ll earn bonus points on Peloton equipment and accessories purchases of $150 or more. Through March 31, 2025, the Sapphire Reserve earns 10x points (up to 50,000 points), while the Sapphire Preferred earns 5x points (up to 25,000 points) on these purchases. To get the most value from your rewards, transfer points to airline and hotel partners or book travel through Chase.
Best for hotel benefits: card_name
Travelers who prefer the Hyatt family of hotels can earn 2x points on fitness club and gym memberships with the World of Hyatt Credit Card. You’ll also receive complimentary Discoverist elite status and an annual free night (up to Category 4) each year you keep the card open.
When staying at 700+ Hyatt properties with Peloton Bike, Bike+, or Row, you can earn 100 points for each workout of 20 minutes or more. Hyatt awards up to 1,000 points per month with qualifying activity. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
Best for renters: card_name
The Bilt Mastercard is the only credit card that allows renters to earn rewards on rent payments without charging transaction fees. Bilt has a recurring Rent Day promotion where cardholders earn double points on all non-rent purchases (including gym memberships) on the first of each month to earn up to 1,000 bonus points. The promotions vary each month, but most months include a complimentary ride in a special themed SoulCycle class.
Members can also book a free Rumble boxing class at select studios in New York, Miami Beach, Chicago, West Hollywood, Washington, D.C., Frisco, and Alpharetta directly through the Bilt Rewards app.
Bilt Rewards members can redeem points for classes at Neighborhood Fitness studios. Classes start at 3,000 points, and when you book classes through Bilt, you’ll receive free add-ons like water, shoes, yoga mats, and more.
Best for highest cash back: card_name
If you’re looking for the highest cash back rates, the card_name earns up to 5% cash back on two eligible categories of your choice. The bonus cash back applies to the first $2,000 you spend each quarter, and categories include gyms & fitness centers, sporting goods stores, and more. You’ll also earn an unlimited 2% cash back on another category of your choice. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
Best for unlimited cash back: Wells Fargo Attune Card
The best credit card for gym memberships with no annual fee is the Wells Fargo Attune Card. This cash back credit card rewards cardholders for self-care by offering an unlimited 4% cash back on gym memberships and spa or salon purchases. The card also includes complimentary cell phone insurance, so you’re protected in case your phone breaks while working out. Information has been collected independently by CardRatings and was neither reviewed nor provided by the card issuer.
Best for large deposit balances: card_name
The card_name is ideal for people with large bank balances and those who want to earn a flat cash back rate on all purchases. It includes an unlimited 1.5% cash back on all purchases (including gym memberships). With Preferred Rewards, you can earn up to 75% more cash back, which increases your total cash back rewards up to 2.62% on everything you buy.
Best for active people: The Paceline Card
The Paceline Card is a cashback credit card offering enhanced benefits based on physical activity. When you’re active for 25 minutes a day, not only will you be closer to reaching your fitness goals, but you’ll also receive bonus cashback, statement credits, and exclusive offers. As your physical activity increases, you can earn even more financial rewards. There’s currently a waitlist for this credit card, so sign up now to be alerted when applications open.
Tips to maximize fitness perks
The best credit card for gym membership and fitness clubs doesn’t always mean the card with the highest rewards. Several cards on this list offer valuable statement credits and other benefits, even though they earn just 1x point on fitness club purchases. Follow these tips to maximize the fitness perks that come with your card.
- Use your card for automatic payments. Set up your account to automatically charge your dues to one of the best credit cards for gym membership.
- Activate promotions. Certain cards require manual activation of promotions or the selection of bonus categories to earn bonus points. Be aware of the last day to activate promotions or change your bonus categories.
- Redeem all statement credits. Statement credits included with your card expire if they’re not used.
- Add an authorized user. Add your spouse or significant other to your card so their purchases earn rewards on eligible purchases, too.
- Pre-pay to max out bonuses and credits. Pay gym membership dues and other fitness club expenses ahead of time to take advantage of limited-time offers. For example, since the Chase Freedom Flex offers up to 5% cash back on gym memberships in Q1 of 2025, pay an entire year’s dues to max out the quarterly rotating bonus category.
Frequently asked questions about credit cards with fitness rewards
Do credit cards offer fitness perks and benefits?
The best credit cards for gym membership and fitness clubs offer enhanced rewards and exclusive perks to cardholders. These features may include extra points on gym purchases, annual credits on eligible purchases, and free classes at participating fitness clubs.
How to maximize rewards for credit cards with gym membership
You’ll maximize credit card rewards by using your card to pay for your fitness club or gym membership and other related purchases. Activate limited-time promotions before making a purchase to ensure it qualifies for bonus points. Stay aware of spending caps that limit how many points you’ll earn.
What card should I put my gym membership on?
The best credit card for gym membership depends on which type of rewards you value most. Several credit cards offer cash back rewards of up to 5%, while the World of Hyatt Card earns 2x points on fitness clubs.
The bottom line on fitness rewards credit cards
Exercise your body and wallet by using fitness rewards credit cards. Numerous credit cards offer enhanced rewards, statement credits, and other perks on eligible purchases at gyms, fitness centers, and other wellness-related stores. To find the right card to maximize rewards, consider what rewards you want to earn and where you spend the most each month. Although some cards may have annual fees, their earning power, statement credits, and perks may make them worthwhile.
