Best credit cards for fitness spending

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

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

Chances are you’ll already know learn how to earn factors on travel, dining and purchases in quite a few other categories. However it’s also possible to flip your sweat fairness into priceless rewards whereas understanding, too.

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

Peloton followers who do not thoughts paying an elevated annual price will discover numerous 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 (by way of March 2025) — as much as a most of fifty,000 factors. You may additionally earn 10 factors per greenback spent on accommodations and automotive leases booked by way of Chase Travel℠, 10 factors per greenback spent on Chase Dining, 10 factors per greenback spent on Lyft rides (by way of 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 simply 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 price: $550

Take into accout: The Sapphire Reserve is certainly 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 aid you earn heaps of factors when shopping for Peloton tools. From our valuations, you may get roughly a 20% return on spending.

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

Apply right here: Chase Sapphire Reserve

Chase Sapphire Most well-liked Card

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

Rewards: Earn 5 factors per greenback spent on journey booked by way of Chase Journey, 5 factors per greenback spent on Peloton tools and accent purchases over $150 (by way of March 2025, with a restrict of 25,000 bonus factors), 5 factors per greenback spent on Lyft purchases (by way of 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 by way of Chase Journey and 1 level per greenback spent on all the things 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 price: $95

Take into accout: Just like the Sapphire Reserve, the Sapphire Most well-liked is nice for journey and for incomes factors on Peloton purchases. On prime of a $50 annual hotel credit and reasonable annual price, you can also obtain a roughly 10% return on spending for Peloton purchases, based mostly on our valuations.

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

Apply right here: Chase Sapphire Preferred

World of Hyatt Credit score Card

In the event 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 accommodations, 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 a further 30,000 bonus factors by incomes 2 bonus factors complete 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 price: $95

Take into accout: 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 too earn as much as two free nights per 12 months on Hyatt properties by utilizing this card. You may 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 12 months.

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

Apply right here: World of Hyatt card

Chase Freedom Flex

In the event 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 price: $0

Take into accout: The Freedom Flex could possibly be an awesome possibility when its quarterly bonus categories embrace gymnasium memberships. Nonetheless, you may solely earn bonus rewards on gymnasium memberships for that quarter. After that, your incomes charge will drop to 1% again.

These bonus rewards could be much more profitable in the event you 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’ll be able to 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 be taught extra, see our full review of the Chase Freedom Flex.

Apply right here: Chase Freedom Flex

Bilt Mastercard

In the event you lease, you may need to apply for the Bilt Mastercard so you’ll be able to earn factors on lease (as much as 100,000 factors per 12 months).

Editor’s be aware: 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 12 months). 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 price: No annual price

Take into accout: The Bilt Mastercard is the primary and solely card available on the market that permits you to pay your rent with no transaction fees (see rates and fees).

Past that, there is a key motive why this card is included as an awesome possibility for health purchases: You may redeem your factors for a few of the hottest train courses on the 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 charge to a variety of airline and resort loyalty applications. A few of our favourite switch companions embrace Aeroplan and World of Hyatt. Different redemption choices embrace future mortgage or lease funds, merchandise and extra. See the full rewards and benefits here.

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

Apply right here: Bilt Mastercard

U.S. Financial institution Money+ Visa Signature Card

In the event you’d choose to earn money again, the U.S. Financial institution Money+ card could be the proper selection 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 selection of 1 on a regular basis class, corresponding to fuel 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 obtainable 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 price: $0

Take into accout: 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 capable of 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 12 months.

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

In the event you’re an Amazon Prime member, think about 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, fuel stations and native transit and commuting; and 1% again on all different purchases. Moreover, earn 10% or extra on a rotating collection of objects and classes on Amazon.com.

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

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

Take into accout: This card provides best-in-class earnings on purchases at Amazon. With such a big collection of exercise tools, gear and train attire obtainable, we think about it a card that’s worthy of point out. You should buy weights, yoga mats, working gear, stationary bikes and far more to construct your individual residence 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 be taught 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 price, the Amex Platinum has loads to supply the proper particular person.

Rewards: Earn 5 factors per greenback spent on flights booked straight with airways or with American Express Travel (on as much as $500,000 on these purchases per calendar 12 months, then 1 level per greenback after that), 5 factors per greenback spent on pay as you go accommodations by way of American Categorical Journey and 1 level per greenback spent on all different eligible purchases.

Welcome provide: Earn 80,000 factors after spending $8,000 on purchases inside the first six months of card membership. Chances are you’ll be focused for a better welcome provide by way of the CardMatch tool; provides are topic to alter at any time, and never everybody will likely be focused for a similar welcome provide.

Annual price: $695 (see rates and fees)

Take into accout: 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 12 months in assertion credit for eligible U.S. Equinox memberships or the Equinox+ app. Enrollment is required upfront, and phrases apply; memberships are topic to auto-renewal.

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

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

Apply right here: Amex Platinum

In the event you do not love any of those choices, you’ll be able to nonetheless use a card that is a solid pick for everyday spending. A few of these choices embrace:

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

Be aware that you simply must also test for reductions in your playing cards by way of applications like Amex Provides and Chase Provides. These are restricted and nearly all the time one-time reductions, however can nonetheless present worth.

Lastly, in the event you plan on buying train tools and need additional time to pay it off, chances are you’ll need to take a look at a card with 0% introductory APR. Simply make sure you repay all the quantity earlier than the top of that promotional interval. In any other case, you possibly can be hit with large curiosity expenses.

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