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The 7 best credit cards to maximize fitness spending

Jan. 04, 2022
13 min read
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Editor’s note: This is a recurring post, regularly updated with new information. This page includes information about the Discover it Cash Back that is not currently available on The Points Guy and may be out of date.


Earn points or cash back while working up a sweat? Yes, you can.

If one of your 2022 resolutions is to try a new at-home workout program or hit the gym or your favorite fitness studio, then you’ve come across the right place to learn how to maximize your rewards.

You may already know how to earn points on travel, dining and purchases in numerous other categories. But did you know that you can accrue valuable rewards while working out, too?

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

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The best credit cards for gyms, fitness classes and equipment

(Photo by skynesher/Getty Images)

The information for the Discover it Cash Back, Amazon Prime Rewards Visa Signature Card and Amex EveryDay Preferred 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 best credit cards criteria to include fitness gear and athletic apparel, which generate at least 2 points per dollar spent (and in some cases, up to 5 points per dollar).

Related: How to get access to a great gym everywhere you travel

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Comparing the best credit cards for fitness purchases

CardBest forEarning rate
World of Hyatt Credit CardGym memberships2 points per dollar on fitness clubs and gym memberships
Bilt MastercardGym membershipsExclusively for January 2022: 5 points per dollar on gym memberships, on up to the first $5,000 spent
Discover it Cash BackGym membershipsEarn 5% back on your first $1,500 in purchases in rotating quarterly bonus categories you activate and 1% on all other purchases. From January through March 2022, the bonus categories are grocery stores, fitness clubs and gym memberships.
U.S. Bank Cash+ Visa Signature CardGym memberships and sporting goods stores5% cash back on two categories out of a choice of 12, on up to $2,000 per quarter
Amazon Prime Rewards Visa Signature CardAthletic clothing, gear or equipment purchased on Amazon.com5% cash back on Amazon.com purchases
The Amex EveryDay Preferred Credit Card from American ExpressGift cards purchased at a grocery store for sporting goods stores3 points at U.S. supermarkets on up to $6,000 per year, plus a 50% bonus when you use the card 30 times a month
The Platinum Card from American ExpressEquinox+ usersUp to $25 back each month in statement credits

Details of each card

World of Hyatt Credit Card

(Photo by Eric Helgas/The Points Guy)

Rewards: Earn 4 points per dollar on purchases at Hyatt hotels; 2 points per dollar at restaurants, on airline tickets purchased directly from airlines, local transit and commuting, dining, flights purchased directly with the airline, fitness clubs and gym memberships; and 1 point per dollar on all other purchases.

Sign-up bonus: Earn 30,000 bonus points after spending $3,000 on purchases within the first three months from account opening. Plus, up to 30,000 more bonus points by earning 2 bonus points total per $1 spent on purchases that normally earn 1 bonus point, on up to $15,000 in the first six months of account opening. Since TPG values Hyatt points at 1.7 cents apiece, the full bonus is worth $1,020.

Annual fee: $95.

Keep in mind: As you can see, the World of Hyatt Credit Card earns 2 points per dollars 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. Earn a second free night at a Category 1-4 property by spending $15,000 on the card in a cardmember year.

Read our full review of the World of Hyatt card.

Apply for the World of Hyatt card.

Bilt Mastercard

(Photo courtesy of Bilt)

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

Rewards: Earn 3 points per dollar on dining and 2 points per dollar on travel. Additionally, earn up to 1 point per dollar on rent with no fees, on up to the first $50,000 spent. Use your card at least five times each statement period to earn points on all purchases.

Sign-up bonus: None.

Annual fee: $0.

Keep in mind: The Bilt Mastercard is the first and only card on the market that allows you to pay your rent, completely fee-free. While there's no sign-up bonus on the card, new applicants will earn 2 points per dollar on all purchases (travel and dining will continue to earn 2 and 3 points per dollar, respectively) for the first 30 days.

And, exclusively for the month of January, cardholders will earn 5 points per dollar on gym membership fees — on up to the first $5,000 spent. This is one of the most lucrative earning rates on fitness clubs available, especially since many gyms will allow you to prepay your membership fee a few months or even up to a year at a time.

Bilt Rewards points are quite valuable, as they can be transferred at a 1:1 rate to nine airline and hotel loyalty programs. Some of our favorite transfer partners include American Airlines AAdvantage and World of Hyatt. Other redemption options include future mortgage or rent credit, fitness classes (if you want to continue to get your sweat on) and more.

Read our full review of the Bilt Mastercard.

Exclusively for TPG readers: To skip the card’s waitlist, enter your email and the code TPG4BILT here.

Discover it Cash Back

Rewards: Earn 5% cash back on up to $1,500 in eligible spending in rotating quarterly categories after activation and unlimited 1% cash back on all other purchases. From Jan. 1 to March 31, 2022, one of the 5% bonus categories is grocery stores, fitness clubs and gym memberships.

Sign-up bonus: Discover will match your first year’s cash back.

Annual fee: $0.

Keep in mind: If cash back is more of your thing, the Discover it Cash Back offers the ability to earn 5% cash back on rotating quarterly categories, on up to the first $1,500 spent. With this quarter's categories including gym memberships, you can snag that ultra-valuable 5% earning rate.

If you've just applied for the card or are still within the first year of account opening, Discover will match your first year's cash back, meaning that you can earn up to 10% back on rotating categories up to the spending threshold.

Read our full review of the Discover it Cash Back.

U.S. Bank Cash+ Visa Signature Card

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. The 5% categories that would fall under exercise purchases include gyms/fitness centers and sporting goods stores.

Sign-up bonus: Earn $200 after you spend $1,000 in eligible purchases in the first 120 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. Check out the full list of eligible gyms and fitness centers, which include popular spots such as Equinox, Planet Fitness and SoulCycle.

U.S. Bank says the category options are subject to change quarterly. Although most Americans probably don’t have to worry about the quarterly spending cap, the most you could earn with the 5% bonus is $100 per quarter.

Read our full review of the U.S. Bank Cash+ Visa Signature Card.

Amazon Prime Rewards Visa Signature

(Photo by The Points Guy)
(Photo by The Points Guy)

Rewards: Earn 5% back at Amazon.com and at Whole Foods Market; 2% back at restaurants, gas stations and drugstores; and 1% back on all other purchases.

Sign-up bonus: Receive a $70 Amazon.com gift card instantly upon approval.

Annual fee: None – but you must be an Amazon Prime member to qualify. Prime subscriptions cost $119 annually.

Keep in mind: This card offers best-in-class earnings on purchases at Amazon. With such a large stock 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.

Read our full review of the Amazon Prime Visa.

The Amex EveryDay Preferred Credit Card

(Photo by John Gribben for The Points Guy)

Rewards: Earn 3 points per dollar at U.S. supermarkets on up to $6,000 per year in purchases (then 1 point per dollar), 2 points per dollar at U.S. gas stations and 1 point per dollar on other purchases. Use your card 30 or more times on purchases in a billing period and earn 50% more points on those purchases, less returns and credits.

Welcome offer: Earn 15,000 Membership Rewards points after you make $1,000 in purchases in your first three months from account opening.

Annual fee: $95.

Keep in mind: This card involves a bit of a workaround where you buy gift cards for fitness or sporting goods at a grocery store and then use those for your purchases. According to TPG’s latest valuations, Membership Rewards points are worth 2 cents apiece. That means for every dollar spent at a grocery store on gift cards, you’ll earn 3 points, worth 6 cents. If you hit 30 monthly transactions, those 3 points per dollar spent turn into 4.5 points per dollar spent, worth 9 cents.

Read the full review of the Amex EveryDay Preferred card.

The Platinum Card® from American Express

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

Welcome offer: Earn 80,000 Membership Rewards Points after you spend $6,000 on purchases within the first six months of card membership.

Annual fee: $695 (see rates and fees).

Keep in mind: While you'll only earn 1 point per dollar on gym memberships and fitness clubs, cardholders of the Amex Platinum will get up to $25 back each month in statement credits for eligible Equinox memberships or the Equinox+ app, for up to $300 back each year.

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

Read the full review of the Amex Platinum.

Other options

(Photo by John Gribben for The Points Guy)

If you don’t love any of these options, you can still earn 1.5% cash back on exercise spending with the Chase Freedom Unlimited (or 1.5 Ultimate Rewards points per dollar if you also have an Ultimate Rewards-earning card), 2% cash back using the Citi® Double Cash Card (1% when you buy plus 1% when you pay), or earn 2 miles per dollar on the Capital One Venture X Rewards Credit Card and the Capital One Venture Rewards Credit Card.

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

Bottom line

You will almost certainly not spend enough money in a year to base your choice of credit card on whether you can earn bonus points with the money you spend on gym memberships or gear. But if other bonus categories on a particular credit card align with your spending, getting additional points for your workouts is a great perk.


Official application link: World of Hyatt Credit Card.
Official application link: Amex Platinum.


For rates and fees of the Amex Platinum, click here

Additional reporting by Stella Shon and Eric Rosen.

Featured image by (Photo by tsyhun/Shutterstock)
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
See all best card offers

TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023