Edited by: Keri Stooksbury
& Kellie Jez
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Do you spend a sizable amount of money on gym memberships or fitness clubs every month?
Whether you are an Equinox fanatic, a passionate SoulCycler, a yogi, or just a casual gym-goer, you’ve probably got better things to do than worry about which credit card you’re paying for gym or fitness memberships on.
Still, if you’re spending a few hundred dollars per month on your gym routine, you might want to at least pick a credit card that can help you earn points.
Who knows, at the end of the year, you might have enough points to book a free flight or hotel night!
So in this guide, we’ll show you the best credit cards to pay for your gym or fitness memberships.
Despite how widespread gym memberships are, it’s somewhat surprising to see that there hasn’t been a credit card that offers stellar rewards specifically for these sorts of recurring subscriptions.
Nonetheless, there are still a number of great credit cards you can focus your spending on to make the most of your spending.
What you’ll want to do is focus on credit cards that offer the best rewards broadly, and then ultimately choose the option that has the best benefits for your specific situation.
As you can tell, there’s not a single best credit card for everybody out there — instead, we’re presenting all of the best options for you.
First, we’ll talk about the best personal credit cards for gym and fitness memberships. Then, we’ll show you our favorite business credit cards for those using gym memberships as a business expense (consult your personal tax and legal professional).
|Card||Welcome Bonus and Annual Fee||Benefits for Gym Memberships and Fitness|
|The World of Hyatt Credit Card||
|U.S. Bank Cash+® Visa Signature® Card||
|Citi Double Cash® Card||
|Chase Freedom Unlimited®||
|Capital One Venture Rewards Credit Card||
The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.
When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.
Our favorite personal credit card for gym memberships is the World of Hyatt card.
Understandably, you might be a little bit confused as to why the best card to pay for gym memberships is a hotel credit card.
But if you look under the hood, this credit card offers the following benefits:
Besides the fact that you could earn 9 points per dollar on your spending at Hyatt hotels, your fitness club and gym memberships will earn 2x points, which is a great multiplier.
Also, this card comes packed with extra perks for your travel. This card is currently offering a fantastic welcome bonus to kickstart your rewards.
Hot Tip: One of the best benefits of the World of Hyatt card is that after each of your cardmember anniversaries, you will get 1 free night at any Category 1 to 4 Hyatt hotel or resort! You also have the ability to earn an extra free night at any Category 1 to 4 Hyatt hotel if you spend $15,000 in a calendar year.
As long as your card account is open, you’ll also enjoy World of Hyatt Discoverist status, plus 5 tier qualifying night credits towards status after account opening (and each year after that)! If World of Hyatt elite status is on your mind, you can earn another 2 elite night credits for every $5,000 you spend on the card.
This credit card allows you to access numerous travel protections, including trip interruption and cancellation insurance, trip delay reimbursement, lost luggage reimbursement, baggage delay insurance, travel accident insurance, and secondary car rental coverage.
Lastly, you’ll enjoy other important benefits like purchase protection, extended warranty protection, and zero liability protection against unauthorized purchases.
As it happens, World of Hyatt points are the most valuable hotel points by a wide margin, worth 1.5 cents each, according to our valuations.
That means earning 2x points is worth a 3% return on spend, though it’s certainly possible to get outsized value.
You can redeem points wholly for a hotel stay, use a mix of points and cash (and even free night certificates) via Pay My Way, or even utilize points to upgrade a paid stay.
You can also convert your World of Hyatt points to airline miles, but this is typically not a good redemption, as you’ll have to redeem about 5,000 Hyatt points for every 2,000 airline miles you get (transfer ratios vary).
This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.
The U.S. Bank Cash+® Visa Signature® Card is a great card for those looking to maximize their cash-back rewards by earning up to 5% back from a variety of expense categories.
The cardholder gets to choose 2 categories every quarter. It’s also the best cash-back card to use for utility bills, a tricky expense to get solid rewards back for.
The U.S. Bank Cash+ Signature card could be an excellent credit card if you’re looking for cash-back and don’t really care about travel rewards.
This card earns up to 5% cash-back on spending and has a welcome bonus and common credit card protections.
But what you’re probably interested in are the bonus categories:
At the moment, the list of 5% cash-back categories is:
So if you happen to spend big on gym equipment at sporting goods stores, this credit card could help you earn 5% cash-back.
The U.S. Bank Cash+ Signature card also comes with benefits like zero fraud liability protection, and no annual fee.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
The Double Cash card is our next favorite choice for purchases at gyms and fitness centers. This also happens to be an incredible rewards credit card with no annual fee, so you’ll want to pay attention to this one.
Offering 2% cash-back (earned as 1% at purchase and 1% when you pay, earned as ThankYou Points) with no caps on earning, it’s easy to see why the appeal is high here. Imagine getting 2% wherever you go!
This credit card offers an introductory 0% APR benefit as a bonus, as well as fraud protection, zero liability protection, access to Citi Private Pass, flexible pay dates, World Elite Mastercard benefits, and even a late fee pass (one-time)!
Citi ThankYou Rewards is a major points currency, and if you have a ThankYou Rewards credit card like the Citi Premier® Card or the Citi Prestige® Card, you can transfer your points to Citi’s full list of airline and hotel partners. This opens up a huge new world of redemptions, like Emirates first class or Etihad First Class Apartments.
For context, on its own, the Double Cash card can only transfer ThankYou Points to Choice Privileges at a 1:1.5 ratio and Wyndham Rewards and JetBlue TrueBlue at a 1:0.8 ratio, which is severely limiting.
But if you have access to the full list of Citi ThankYou transfer partners, your points will instantly increase to 1.6 cents each. That means your return on all purchases, including gym or fitness spending, would be worth 3.2%.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
The Freedom Unlimited card is one of our favorite credit cards, period. With no annual fee, it’s stunning to learn that this card offers up to 5% cash-back on your purchases.
Here’s the earning structure:
In addition to earning 1.5% cash-back on gym memberships and fitness clubs, the card currently has a 0% introductory APR period, plus a welcome bonus.
The cash-back earned on the Freedom Unlimited card can be converted into transferable rewards points, Chase Ultimate Rewards in this case.
If you hold the Freedom Unlimited card and an Ultimate Rewards credit card like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card, you can convert your cash-back 1:1 to Ultimate Rewards points.
Earning 1.5x Ultimate Rewards points is equal to a return on spend of approximately 3% on your gym and fitness spending, though it’s totally feasible to get a higher return on spending if you redeem your points through the Chase transfer partners for luxury business and first class flights or hotels.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.
Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.
The Capital One Venture card is loved by plenty in the U.S., and it’s easy to see why.
This credit card offers a fantastic welcome bonus, access to a transferable rewards system, and earns an unlimited 2x Capital One miles on all purchases.
Other travel insurance benefits include lost luggage insurance, and roadside dispatch.
The Capital One Venture card includes purchase security, extended warranty, no foreign transaction fees (rates & fees), and access to Capital One Miles.
Earning 2x Capital One miles is equal to around a 3.6% return on spending according to our valuations.
Capital One miles can be transferred mostly at a 1:1 ratio and sometimes at ratios of either 2:1.5 or 2:1.
Also, you can redeem your points for statement credits, gift cards, travel purchases booked through Capital One Travel, experiences, and more.
What if you have the ability to use your gym membership as a business expense? Perhaps you’re a freelance personal trainer looking to get clients or you offer gym memberships to your employees as a benefit?
Whatever the case, you’ll want to ensure you’re separating business expenses from personal expenses.
In this guide, we’ll walk you through the best business credit cards for gym memberships and fitness clubs.
|Card||Welcome Bonus and Annual Fee||Benefits for Gym Memberships and Fitness|
|The Blue Business® Plus Credit Card from American Express||
|Ink Business Unlimited® Credit Card||
|World of Hyatt Business Credit Card||
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
Our favorite business credit card for gym and fitness purchases is the Amex Blue Business Plus card.
Offering the ability to earn 2x Membership Rewards points on everyday business transactions (up to $50,000 per calendar year; 1x thereafter), this is the most rewarding business credit card for gym memberships. Also, the Amex Blue Business Plus card offers an introductory 0% APR benefit on purchases (as listed in the above table).
Earning 2x Amex points is equal to a return on spend of around 4.4%, which is an industry-leading percentage. Once you hit the $50,000 cap every year, your earnings will drop down to 1x points, which is equal to a 2.2% return on spend.
Last, but not least, this credit card is also one of the no-annual-fee credit cards offering access to Amex Membership Rewards.
Amex Membership Rewards is the most valuable transferable rewards program in the world, and Amex points are also easy to earn.
That’s why this rewards system is so popular and has withstood the test of time.
You can technically redeem Amex points for Amazon purchases, travel bookings through Amex Travel, statement credits, gift cards, merchandise, and charity, but these options are never the most valuable.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Being able to transfer your points to travel partners with a single no-annual-fee credit card is an incredible benefit that should not be taken for granted — just one of the many reasons why we love the Ink Business Unlimited card.
The Ink Business Unlimited card is one of the best business credit cards out there. With this card, you will earn 1.5% cash-back on all your business purchases with no earning caps. This means you’ll earn 1.5% cash-back on gym memberships, fitness clubs, and virtually any other purchase out there. In this vein, the Ink Business Unlimited card is similar to the Freedom Unlimited card.
The Ink Business Unlimited comes with a 0% introductory APR benefit, as well as free employee cards, primary rental car insurance, purchase protection, extended warranty protection, zero liability fraud protection for unauthorized purchases, and more!
By itself, the rewards on the Ink Business Unlimited card can’t be converted from cash-back to Ultimate Rewards points. But, if you have an Ultimate Rewards-earning credit card, such as the Ink Business Preferred card, your 1.5% cash-back can become 1.5x Ultimate Rewards points, which would net you a return on spend of 3%.
The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.
Hyatt loyalists who do their fair share of business travel have been clamoring for the addition of a co-branded Hyatt business credit card for quite some time — and now it’s finally here.
The World of Hyatt Business Credit Card is now available. In this guide, we will walk you through everything you need to know about it!
Much like its consumer companion, the World of Hyatt Business card offers 2x points per $1 spent on fitness clubs and gym memberships. As we mentioned above, we value Hyatt points at 1.5 cents each, which means you’ll be getting a 3% return on all your spend.
In addition to earning bonuses on gym purchases, you can expect:
Again, like the consumer card, you can also expect Discoverist elite status as long as you hold the card.
In addition to its in-person club memberships, Equinox has a digital membership that will run you $40 per month. The Amex Platinum card will give you statement credits of up to $300 per year, which will bring you down to an out-of-pocket cost of $180.
Those who have the Amex Platinum card will receive a $300 credit each time they purchase a SoulCycle bike and use their Amex card to pay.
There is an abundance of credit cards out there. There aren’t a whole lot of credit cards that offer gym memberships or fitness club purchases as a bonus category, but that doesn’t mean you can’t maximize your spending!
The World of Hyatt card, U.S. Bank Cash+ Signature card, Double Cash card, Freedom Unlimited card, and Capital One Venture card are the best options for personal spending at gyms and fitness clubs.
The Amex Blue Business Plus card, Ink Business Unlimited card, and World of Hyatt Business card are the best business credit cards for gyms and fitness clubs.
Be sure to also do some research into which credit cards offer the most valuable points for your situation, and then you can make an informed decision.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the U.S. Bank Cash+® Visa Signature® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.
You absolutely can! In fact, many gyms require a credit card or debit card to pay for a recurring subscription. But, if you use a credit card, you can accumulate lots of points and rewards throughout the year.
The best personal credit cards for gym memberships are the World of Hyatt card, U.S. Bank Cash+ Signature card, Double Cash card, Freedom Unlimited card, and Capital One Venture card.
The best business credit cards for gym memberships are the Amex Blue Business Plus card, Ink Business Unlimited card, and World of Hyatt Business card.
If you use your checking account, you could be leaving money on the table. By using a credit card, you can amass plenty of valuable points to use for rewards.
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