Whether you’re just starting out on your fitness journey or you’re a dedicated fitness enthusiast looking for extra rewards for your workouts, there’s a credit card to suit your needs.
All of the cards featured here can earn additional rewards on fitness spending or provide statement credits to offset the cost of certain expenses. Deciding which one is right for you will depend on how you feel about each card’s bonus currency and perks. Let’s get started.
The best card for your fitness spending
Here’s a bird’s eye view of the best fitness spending cards:
US Bank Cash+ information is collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Compare the best cards for fitness purchases
| card | most suitable | Yield |
|---|---|---|
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home team fans |
Earn 5 points for every $1 spent on Peloton equipment and accessories over $150 (through December 31, 2027) — capped at 25,000 points |
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gym membership |
Health club and gym memberships earn 2 points per $1 spent |
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gym membership |
Earn 5% cash back on rotating bonus categories upon activation (up to $1,500 per quarter on combined purchases); gym memberships have been included in past quarters |
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Gym membership and sporting goods store |
Choose two of 12 categories and earn 5% cash back on combined spending of up to $2,000 each quarter |
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Sports apparel, gear, or gear purchased on Amazon.com |
5% cash back on Amazon.com purchases |
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American Equinox users and Lululemon fans |
Lululemon annual statement credits up to $300 per calendar year (up to $75 per quarter) (registration required); Equinox annual statement credits up to $300 with an Equinox+ digital subscription or Equinox membership (auto-renewable; registration required) |
Detailed information for each card
Chase Sapphire Preferred Card
If you’re a Peloton fan or you’re interested in getting started, consider Chase Sapphire Preferred.
Fitness-Related Benefits: Earn 5 points per $1 spent on Peloton gear and accessories over $150 in purchases (reward points capped at 25,000 points through December 31, 2027; 1 point per $1 spent thereafter).
Welcome bonus: Earn 75,000 bonus points when you spend $5,000 in purchases within the first three months of account opening. As of December 2025, TPG values the bonus at $1,538.
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Annual fee: $95.
Other notable benefits: You can transfer any points you earn with Sapphire Preferred to any of Chase’s 13 airline and hotel partners for maximum value. Sapphire Preferred also offers a free DoorDash DashPass subscription (through December 31, 2027). Since DoorDash DashPass costs $9.99 per month (or $96 for the annual plan), this offer alone will cover your annual fee.
To learn more, see our full review of Sapphire Top Picks.
Apply here: Chase Sapphire Preferred
World of Hyatt Credit Card
If you are a fan of Hyatt Hotels, World of Hyatt Card May be your best choice for fitness consumption.
Fitness-Related Benefits: Earn 2 points for every $1 spent on health club and gym memberships.
Welcome bonus: Earn up to 60,000 bonus points – Earn 30,000 bonus points when you spend $3,000 in purchases within the first three months of account opening, and earn 2 bonus points per $1 spent within the first six months of account opening, up to a maximum of 30,000 bonus points.
As of December 2025, TPG values Hyatt points at 1.7 cents per point, making this bonus worth a whopping $1,020.
Annual fee: $95.
Other notable benefits: The World of Hyatt Card provides up to two free nights at Hyatt hotels each year. You will receive a free night voucher that can be used at Category 1-4 hotels after your card anniversary. In addition, card members can earn a second free night at Category 1-4 hotels when they spend US$15,000 with the card within a year.
The card also earns 4 points per $1 spent at Hyatt hotels, which stack with any bonus points you earn as a World of Hyatt loyalty member. Finally, this card also comes with free Hyatt Explorer membership and five nights of elite status each year.
To learn more, see our full review of the World of Hyatt Card.
Apply here: World of Hyatt Card
Chasing freedom and flexibility
this Chasing freedom and flexibility is one of my favorite cards because it offers great rewards with no annual fee.
Fitness-Related Benefits: Earn up to 5% cash back on combined purchases spent on rotating categories each quarter (activation required). Over the past few years, we’ve seen health clubs and gym memberships emerge as a category once a year.
Welcome bonus: Earn $200 cash back when you spend $500 in purchases within the first three months of account opening.
Annual fee: $0.
Other notable benefits: The Freedom Flex is a great card for beginners because it has no annual fee and a simple rewards structure. If you have an eligible Ultimate Rewards card, e.g. Chase Sapphire Preferredyou can convert Freedom Flex rewards into transferable Ultimate Rewards points for maximum value.
To learn more, see our full review of the Chase Freedom Flex.
Apply here: Chasing freedom and flexibility
Bank of America Cash + Visa Signature Card
The Bank of America card is often overlooked among cards from the major issuers, but if you prefer to earn cash back, the Bank of America Cash + Visa might be a good option for you.
Fitness-Related Benefits: Earn 5% cash back on your first $2,000 every quarter on qualifying purchases in two categories of your choice; gyms/fitness centers and sporting goods stores are the two categories that earn 5%.
Welcome bonus: Earn a $200 bonus after you spend $1,000 on qualifying purchases within the first 90 days of account opening.
Annual fee: There isn’t any.
Other notable benefits: The main appeal of Bank of America Cash+ is the generous cash back rewards with no annual fee. like Chasing freedom and flexibilitywhich is a great credit card for beginners.
Learn more: Bank of America Cash + Visa Signature Card
Premium visa
If you’re an Amazon Prime member, the Prime Visa can help you get extra rewards on all your fitness and sports gear.
Fitness-Related Benefits: Earn 5% back on Amazon and 10% or more on rotating select items and categories on Amazon.
Welcome bonus: Get a $250 Amazon gift card instantly upon approval.
Annual fee: No – but you must be an Amazon Prime member to qualify. A Prime subscription now costs $139 per year.
Other notable benefits: One of the biggest draws to this card is its welcome bonus, since you don’t have to spend any money out of pocket to receive it. If you need to buy expensive exercise equipment or you’re decorating a home gym, a $250 gift card can come in handy.
Prime Visa cardholders also get 5% cash back at Whole Foods, so you can get great rewards on all ingredients for your pre- and post-workout meals. Finally, Prime Visa also offers a range of solid protections, including purchase protection, travel accident insurance, baggage delay insurance and extended warranty protection.
To learn more, see our full review of Prime Visa.
Apply here: Premium visa
American Express Platinum Card
As a premium card, American Express Platinum Card Offers tons of benefits, including statement points for fitness enthusiasts.
Fitness-Related Benefits: Cardmembers can earn up to $300 in statement points per calendar year on eligible Equinox purchases (auto-renewable), plus up to $75 in statement points per quarter on purchases in U.S. Lululemon stores (excluding specialty stores) and online. Registration is required for these benefits.
If you have an Equinox+ membership, you can get up to $300 in bill credits when you purchase one SoulCycle bike each calendar year (up to 15 bikes per calendar year).
Welcome offer: Know your offers and see if you’re eligible for up to 175,000 bonus points after you spend $8,000 in purchases within the first six months of card membership. Welcome offers vary and you may not qualify for one.
Annual fee: $895 (see rates and fees).
Other notable benefits: The American Express Platinum Card offers cardholders a host of other benefits, including:
- Walmart+ members receive up to $155 in bill credits per calendar year (up to $12.95 per month) (auto-renewable; excludes Plus-Ups)
- Earn up to $300 in digital entertainment bill credits per calendar year (up to $25 per month) for purchases made through eligible subscription services
- Enjoy up to $400 in bill credits per calendar year (up to $100 per quarter) at Resy restaurants in the U.S. without reservations
- Earn up to $600 in statement credit per calendar year (up to $300 per half-year) on eligible prepaid reservations at Fine Hotels + Resorts and The Hotel Collection properties (THC requires a two-night minimum stay)
- Elite membership with Marriott Bonvoy, Hilton and the world’s leading hotels
- Lots of travel protection and purchase protection
Certain benefits require registration.
To learn more, see our full review of the American Express Platinum Card.
Apply here: American Express Platinum Card
Other options
If you don’t like these options, you can still use a card that’s suitable for everyday spending. Some of these options include:
I always recommend trying to earn at least 2% cash back or 2 points per $1 spent when possible, but at least aim to earn more than 1% cash back or 1 point per $1 spent. However, you might consider earning 1 point or mile for every $1 spent on a card to help you make progress toward your elite status goal.
Be sure to check your card’s offers regularly. Some card issuers, such as Chase and American Express, offer deals with specific merchants. These can come in the form of additional rewards or statement points.
bottom line
Whether you’re a certified fitness enthusiast or a newbie, having a credit card that earns you extra rewards on your fitness spending can be a huge plus for your wallet. Plus, with some of these cards, you can get additional benefits that allow you to save even more money.
The right card for you depends entirely on your spending habits and whether you can tolerate the annual fee. No matter which one you choose, you’ll get the most out of every dollar you spend on fitness.
Apply here: Chase Sapphire Preferred Card
Apply here: World of Hyatt Credit Card
Apply here: Chasing freedom and flexibility
Apply here: Premium visa
Apply here: American Express Platinum Card
For American Express Platinum Card rates and fees, click here.
