The 7 best credit cards to maximize fitness spending
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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page includes information about the Discover it Cash Back that is not currently available on The Points Guy and may be out of date.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.
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
- The World of Hyatt Credit Card.
- Bilt Mastercard.
- Discover it Cash Back.
- U.S. Bank Cash+ Visa Signature Card.
- Amazon Prime Rewards Visa Signature Card.
- The Amex EveryDay® Preferred Credit Card from American Express.
- The Platinum Card® from American Express.
The information for the U.S. Bank Cash+ Visa, Bilt Mastercard, 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).
Comparing the best credit cards for fitness purchases
|Card||Best for||Earning rate|
|World of Hyatt Credit Card||Gym memberships||2 points per dollar on fitness clubs and gym memberships|
|Bilt Mastercard||Gym memberships||Exclusively for January 2022: 5 points per dollar on gym memberships, on up to the first $5,000 spent|
|Discover it Cash Back||Gym memberships||Earn 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 Card||Gym memberships and sporting goods stores||5% cash back on two categories out of a choice of 12, on up to $2,000 per quarter|
|Amazon Prime Rewards Visa Signature Card||Athletic clothing, gear or equipment purchased on Amazon.com||5% cash back on Amazon.com purchases|
|The Amex EveryDay Preferred Credit Card from American Express||Gift cards purchased at a grocery store for sporting goods stores||3 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 Express||Equinox+ users||Up to $25 back each month in statement credits|
Details of each card
World of Hyatt Credit Card
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.
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 $150 after you spend $500 in eligible purchases in the first 90 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
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
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 100,000 Membership Rewards points after you spend $6,000 on purchases on your new card in your first six months of card membership. Plus, earn 10x on eligible purchases on your new card at restaurants worldwide and when you “Shop Small” in the U.S., on up to $25,000 in combined purchases, during your 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 select 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.
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.
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.
For rates and fees of the Amex Platinum, click here
Additional reporting by Stella Shon and Eric Rosen.
Featured photo by tsyhun/Shutterstock.
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Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in the first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first three months of card membership.
With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.
- Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
- Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
- Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
- Earn 3X Miles on Delta purchases and purchases made directly with hotels.
- Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
- Earn 1X Miles on all other eligible purchases.
- Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Enjoy your first checked bag free on Delta flights.
- Fee Credit for Global Entry or TSA Pre✓®.
- Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
- No Foreign Transaction Fees.
- $250 Annual Fee.
- Terms Apply.
- See Rates & Fees