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 repeatedly, we may help you maximize your bank card rewards whereas doing so.
It’s possible you’ll already know the way 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 worthwhile rewards whereas figuring out, too.
From CrossFit and calisthenics to body weight workout routines and Bollywood dance routines, the choices are countless — and with the right credit card in hand, you’ll reap monetary advantages, too.
The very best playing cards for gyms, health courses and gear
Whether or not you already belong to a health club, wish to strive a brand new spot or are contemplating altering your traditional exercise, these playing cards may help you earn rewards whereas hitting your health objectives.
The data for the U.S. Financial institution Money+ has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Past health club memberships and exercise courses, we additionally expanded the standards for this record to incorporate playing cards that earn whenever you buy health gear and athletic attire, which may generate not less than 2 factors per greenback spent (and in some circumstances, as much as 5 factors per greenback spent).
Evaluating the most effective playing cards for health purchases
Card | Finest for | Incomes fee |
---|---|---|
Chase Sapphire Reserve | Incomes plenty of factors on gear purchases from Peloton | 10 factors per greenback spent on Peloton gear and accent purchases over $150 (by way of March 2025) — with a restrict of fifty,000 factors |
Chase Sapphire Preferred Card | Incomes factors on gear purchases from Peloton and not using a excessive annual price | 5 factors per greenback spent on Peloton gear and accent purchases over $150 (by way of March 2025) — with a restrict of 25,000 factors |
World of Hyatt Credit Card | Fitness center memberships | 2 factors per greenback spent on health golf equipment and health club memberships |
Chase Freedom Flex | Fitness center memberships | 5% money again on rotating bonus classes after activation (as much as $1,500 per quarter); health club memberships have been included in previous quarters |
Bilt Mastercard | Health courses | 1 level per greenback spent; nonetheless, you may redeem your factors for among the hottest health courses on the earth, together with SoulCycle, beginning at 3,000 factors a category (members should use the cardboard 5 instances every assertion interval to earn factors; see Rewards & Benefits) |
U.S. Bank Cash+ Visa Signature Card | Fitness center memberships and sporting items shops | 5% money again on two classes out of a alternative of 12, on as much as $2,000 in mixed spending per quarter |
Prime Visa | Athletic clothes, gear or gear bought on Amazon.com | 5% money again on Amazon.com purchases |
The Platinum Card from American Express | U.S. Equinox customers | As much as $300 in annual assertion credit every calendar yr (enrollment required) |
Particulars of every card
Chase Sapphire Reserve
Peloton followers who do not thoughts paying an elevated annual price will discover a variety of 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 resorts and automobile 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.
Observe 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 note: 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 objectives, it might probably allow you to earn heaps of factors when shopping for Peloton gear. From our valuations, you may get roughly a 20% return on spending.
To study extra, see our full review of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most well-liked Card
In case you’re a fan of Peloton however do not wish to pay the Sapphire Reserve’s exorbitant annual price, strive the Chase Sapphire Preferred as an alternative.
Rewards: Earn 5 factors per greenback spent on journey booked by way of Chase Journey, 5 factors per greenback spent on Peloton gear 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 the whole lot 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 note: 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 study extra, see our full review of the Chase Sapphire Preferred.
Apply right here: Chase Sapphire Preferred
World of Hyatt Credit score Card
In case 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 resorts, 2 factors per greenback spent at eating places, choose journey and commuting, health golf equipment and health club 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 an extra 30,000 bonus factors by incomes 2 bonus factors whole 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 note: The World of Hyatt card earns 2 factors per greenback spent on health golf equipment and health club memberships — a pleasant return that can be utilized towards a Hyatt redemption.
It’s also possible to earn as much as two free nights per yr 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 might earn a second free evening at a Class 1-4 property by spending $15,000 on the cardboard in a cardmember yr.
To study extra, see our full review of the World of Hyatt card.
Apply right here: World of Hyatt card
Chase Freedom Flex
In case 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 note: The Freedom Flex could possibly be an amazing possibility when its quarterly bonus categories embody health club memberships. Nonetheless, you will solely earn bonus rewards on health club memberships for that quarter. After that, your incomes fee will drop to 1% again.
These bonus rewards will be much more profitable should 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 may 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 absolutely transferable Chase Ultimate Rewards factors.
To study extra, see our full review of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Bilt Mastercard
In case you hire, you will wish to apply for the Bilt Mastercard so you may earn factors on hire (as much as 100,000 factors per yr).
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 hire with no transaction charges on the primary $100,000 spent (as much as 100,000 factors in a calendar yr). 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 note: 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 cause why this card is included as an amazing possibility for health purchases: You may redeem your factors for among the hottest train courses on the earth, together with SoulCycle, beginning at 3,000 factors a category.
Bilt Rewards factors are fairly worthwhile, as they are often transferred at a 1:1 fee to a variety of airline and lodge loyalty packages. A few of our favourite switch companions embody Aeroplan and World of Hyatt. Different redemption choices embody future mortgage or hire funds, merchandise and extra. See the full rewards and benefits here.
To study extra, see our full review of the Bilt Mastercard.
Apply right here: Bilt Mastercard
U.S. Financial institution Money+ Visa Signature Card
In case you’d want to earn money again, the U.S. Financial institution Money+ card may be the precise alternative 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 alternative of 1 on a regular basis class, similar 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 accessible 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 note: 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? Choose one thing else — together with TV, web and streaming services — and save gyms for later this yr.
It is price noting that U.S. Financial institution says the class choices are topic to vary quarterly and that your 5% bonus earnings are capped at $100 per quarter.
Be taught extra: U.S. Bank Cash+ Visa Signature Card
Prime Visa
In case you’re an Amazon Prime member, think about making use of for the Prime Visa to get essentially 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 should be an Amazon Prime member to qualify. Prime subscriptions now value $139 yearly.
Take note: This card affords best-in-class earnings on purchases at Amazon. With such a big collection of exercise gear, gear and train attire accessible, we think about it a card that’s worthy of point out. You should purchase weights, yoga mats, working gear, stationary bikes and rather more to construct your personal residence health club.
This card would not technically include a bonus rewards class for athletic gear, however any clothes, gear or gear you buy on Amazon.com ought to obtain 5% money again.
To study extra, see our full review of the Prime Visa.
Apply right here: Prime Visa
The Platinum Card from American Specific
Regardless of its extremely excessive annual price, the Amex Platinum has rather a lot to supply the precise individual.
Rewards: Earn 5 factors per greenback spent on flights booked immediately with airways or with American Express Travel (on as much as $500,000 on these purchases per calendar yr, then 1 level per greenback after that), 5 factors per greenback spent on pay as you go resorts by way of American Specific Journey and 1 level per greenback spent on all different eligible purchases.
Welcome supply: Earn 80,000 factors after spending $8,000 on purchases inside the first six months of card membership. It’s possible you’ll be focused for the next welcome supply by way of the CardMatch tool; affords are topic to vary at any time, and never everybody shall be focused for a similar welcome supply.
Annual price: $695 (see rates and fees)
Take note: Whilst you’ll solely earn 1 level per greenback spent on health club memberships and health golf equipment, Amex Platinum cardmembers can stand up to $300 again every calendar yr in assertion credit for eligible U.S. Equinox memberships or the Equinox+ app. Enrollment is required prematurely, and phrases apply; memberships are topic to auto-renewal.
Whether or not you select to work out at residence or in individual, Equinox members can take pleasure in a reduction on their membership prices because of the Amex Platinum.
To study extra, see our full review of the Amex Platinum Card.
Apply right here: Amex Platinum
Different choices
In case you do not love any of those choices, you may nonetheless use a card that is a solid pick for everyday spending. A few of these choices embody:
These are regular incomes charges on these playing cards — but it surely would not make them any much less profitable.
Observe that you simply also needs to test for reductions in your playing cards by way of packages like Amex Affords and Chase Affords. These are restricted and nearly at all times one-time reductions, however can nonetheless present worth.
Lastly, should you plan on buying train gear and wish further time to pay it off, chances are you’ll wish to take a look at a card with 0% introductory APR. Simply make sure you repay your complete quantity earlier than the tip of that promotional interval. In any other case, you may be hit with huge curiosity expenses.
Backside line
You’ll nearly actually not spend sufficient cash in a yr to base your alternative of a bank card on whether or not you may earn bonus factors with the cash you spend on health club memberships or gear. But when different bonus classes on a specific bank card align along with your spending habits, receiving extra factors to your exercises is a good perk.
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 charges of the Amex Platinum, click on here.
For charges and charges of the Bilt Mastercard, click on here.
For rewards and advantages of the Bilt Mastercard, click on here.