The 6 best credit cards to maximize fitness spending
Editor's Note
Whether you're starting your fitness journey or are a committed gym enthusiast looking to earn bonus rewards on your workouts, there's a credit card that fits your needs.
All of the cards featured here earn bonus rewards on fitness spending or offer a statement credit to offset the cost of certain expenses. Deciding which one is for you will come down to how you feel about each card's rewards currency and additional perks. Let's get into it.
The best cards for your fitness spending
Here's a birds-eye view of the best cards for fitness spending:
- Chase Sapphire Preferred® Card (see rates and fees)
- World of Hyatt Credit Card (see rates and fees)
- Chase Freedom Flex® (see rates and fees)
- U.S. Bank Cash+® Visa Signature® Card
- Prime Visa (see rates and fees)
- American Express Platinum Card®
The information for the U.S. Bank Cash+ and Prime Visa has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Comparing the best cards for fitness purchases
| Card | Best for | Earning rate |
|---|---|---|
Peloton fans | 5 points per dollar spent on Peloton equipment and accessory purchases over $150 (through Dec. 31, 2027) — with a limit of 25,000 points | |
Gym memberships | 2 points per dollar spent on fitness clubs and gym memberships | |
Gym memberships | 5% cash back on rotating bonus categories after activation (up to $1,500 per quarter in combined purchases); gym memberships have been included in past quarters | |
Gym memberships and sporting goods stores | 5% cash back on two categories out of a choice of 12, on up to $2,000 in combined spending per quarter | |
Athletic clothing, gear or equipment purchased on Amazon.com | 5% cash back on Amazon.com purchases | |
U.S. Equinox users and Lululemon fans | Up to $300 in annual statement credits each calendar year (up to $75 quarterly) for Lululemon (enrollment required); an up to $300 in annual statement credits at Equinox for an Equinox+ digital subscription or an Equinox membership (subject to auto-renewal; enrollment required) |
Details of each card
Chase Sapphire Preferred Card
If you're a Peloton fan or you're interested in getting started with it, consider the Chase Sapphire Preferred.
Fitness-related benefits: Earn 5 points per dollar spent on Peloton equipment and accessory purchases over $150 (through Dec. 31, 2027, with a limit of 25,000 bonus points; 1 point per dollar spent thereafter).
Welcome bonus: Earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening. As of December 2025, TPG values this bonus at $1,538.
Annual fee: $95.
Other notable benefits: You can transfer any of the points you earn on the Sapphire Preferred to any of Chase's 13 airline and hotel partners for maximum value. The Sapphire Preferred also offers a complimentary DoorDash DashPass subscription (through Dec. 31, 2027). Since DoorDash DashPass costs $9.99 per month (or $96 on an annual plan), using this benefit alone will cover your annual fee.
To learn more, see our full review of the Sapphire Preferred.
Apply here: Chase Sapphire Preferred
World of Hyatt Credit Card
If you're a fan of Hyatt properties, the World of Hyatt card may be the best choice for your fitness spending.
Fitness-related benefits: Earn 2 points per dollar spent at fitness clubs and on gym memberships.
Welcome bonus: Earn up to 60,000 points: 30,000 bonus points after spending $3,000 on purchases in the first three months from account opening and up to 30,000 more bonus points by earning 2 bonus points total per $1 spent in the first six months from account opening on up to $15,000 spent.
Since TPG values Hyatt points at 1.7 cents apiece as of December 2025, this bonus is worth up to $1,020.
Annual fee: $95.
Other notable benefits: The World of Hyatt card offers up to two free nights per year for Hyatt properties. You'll receive a free night certificate usable at a Category 1-4 property after your card anniversary. Plus, you can earn a second free night at a Category 1-4 property by spending $15,000 on the card in a cardmember year.
This card also earns 4 points per dollar spent at Hyatt, which can stack with any bonus points you earn as a World of Hyatt loyalty member. Finally, this card comes with complimentary Hyatt Discoverist status, as well as five qualifying nights toward elite status each year.
To learn more, see our full review of the World of Hyatt card.
Apply here: World of Hyatt card
Chase Freedom Flex
The Chase Freedom Flex is one of my favorite cards, since it offers robust rewards for no annual fee.
Fitness-related benefits: Earn 5% back on up to the first $1,500 in combined purchases spent on rotating categories each quarter (activation required). Over the past several years, we've seen fitness clubs and gym memberships pop up as a category once per year.
Welcome bonus: Earn $200 cash back after spending $500 on purchases in the first three months from account opening.
Annual fee: $0.
Other notable benefits: The Freedom Flex is a great beginner card, since it has no annual fee and a simple rewards structure. If you have an eligible Ultimate Rewards card, such as the Chase Sapphire Preferred, you can convert your Freedom Flex rewards to transferable Ultimate Rewards points for maximum value.
To learn more, see our full review of the Chase Freedom Flex.
Apply here: Chase Freedom Flex
U.S. Bank Cash+ Visa Signature Card
U.S. Bank cards often get overlooked in favor of cards from major issuers, but the U.S. Bank Cash+ Visa could be a great option for you if you prefer earning cash back.
Fitness-related benefits: Earn 5% cash back on your first $2,000 in eligible purchases each quarter on the combined two categories you choose; gyms/fitness centers and sporting goods stores are two of the categories available for 5% earning.
Welcome bonus: Earn a $200 rewards bonus after spending $1,000 in eligible purchases in the first 90 days of account opening.
Annual fee: None.
Other notable benefits: The main draw of the U.S. Bank Cash+ is the ability to earn a lot of cash-back rewards for no annual fee. Like the Chase Freedom Flex, this is a great beginner credit card.
Learn more: U.S. Bank Cash+ Visa Signature Card
Prime Visa
If you're an Amazon Prime member, the Prime Visa can help you earn bonus rewards on all of your fitness and sporting gear.
Fitness-related benefits: Earn 5% back on Amazon and 10% or more on a rotating selection of items and categories on Amazon.
Welcome bonus: Get a $150 Amazon gift card instantly upon approval.
Annual fee: None — but you must be an Amazon Prime member to qualify. Prime subscriptions now cost $139 annually.
Other notable benefits: One of the biggest draws of this card is its welcome bonus, since you don't need to spend anything out of pocket to receive it. If you need to purchase expensive sporting equipment or you're furnishing a home gym, that $150 gift card can go a long way.
Prime Visa cardholders also receive 5% cash back at Whole Foods, so you can earn solid rewards on all of the ingredients for your pre- and post-workout meals. Finally, the Prime Visa comes with a solid roster of protections, including purchase protection, travel accident insurance, baggage delay insurance and extended warranty protection.
To learn more, see our full review of the Prime Visa.
The Platinum Card from American Express
As a premium card, the Amex Platinum offers a huge list of perks, including statement credits geared toward fitness enthusiasts.
Fitness-related benefits: Cardmembers receive up to $300 in statement credits each calendar year for eligible Equinox purchases (subject to auto-renewal), plus up to $75 per quarter in statement credits for purchases at U.S. Lululemon stores (excluding outlets) and online. Enrollment is required for these benefits.
If you have an Equinox+ membership, you can receive up to $300 each calendar year in statement credits for the purchase of a SoulCycle bike (up to 15 bikes per calendar year).
Welcome offer: Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $12,000 on purchases within the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.
Annual fee: $895 (see rates and fees).
Other notable benefits: The Amex Platinum offers a host of other perks for cardmembers, including:
- Up to $155 each calendar year in statement credits (up to $12.95 monthly) for a Walmart+ membership (subject to auto-renewal; Plus-Ups excluded)
- Up to $300 each calendar year in digital entertainment statement credits (up to $25 monthly), for purchases made with eligible subscription services
- Up to $400 each calendar year in statement credits (up to $100 quarterly) for purchases made at U.S. Resy restaurants with no reservation required
- Up to $600 each calendar year in statement credits (up to $300 semi-annually) for eligible prepaid bookings made at Fine Hotels + Resorts and The Hotel Collection properties (THC requires a minimum two-night stay)
- Elite status with Marriott Bonvoy, Hilton and Leading Hotels of the World
- Numerous travel protections and purchase protections
Enrollment is required for select benefits.
To learn more, see our full review of the Amex Platinum Card.
Apply here: Amex Platinum
Other options
If you don't love these options, you can still use a card that's a solid pick for everyday spending. Some of these options include:
- The Chase Freedom Unlimited® (see rates and fees), which earns 1.5% cash back on all non-bonus spending, including exercise spending
- The Citi Double Cash® Card (see rates and fees), which earns 2% cash back on all eligible purchases (1% when you buy plus 1% when you pay)
- The Capital One Venture X Rewards Credit Card and the Capital One Venture Rewards Credit Card both earn at least 2 miles per dollar spent on select purchases
I always recommend earning at least 2% cash back or 2 points per dollar spent when you can, but at a minimum, aim to earn over 1% cash back or 1 point per dollar spent. However, you might consider earning 1 point or mile per dollar spent on a card that helps you make progress toward your elite status goals.
Make sure to check your card's offers regularly. Certain issuers, such as Chase and American Express, offer deals with specific merchants. These can come in the form of additional rewards or statement credits.
Bottom line
Whether you're a certified gym enthusiast or a total newbie, having a credit card that earns bonus rewards on fitness spending is a great plus for your wallet. Plus, with some of these cards, you can receive additional benefits that will save you even more money.
The right card for you depends entirely on your spending habits and whether you can tolerate an annual fee. Regardless of which of these options you pick, you'll be well on your way to maximizing every dollar spent on your fitness.
Apply here: Chase Sapphire Preferred Card
Apply here: World of Hyatt Credit Card
Apply here: Chase Freedom Flex
Apply here: Prime Visa
Apply here: Amex Platinum
For rates and fees of the Amex Platinum, click here.
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.