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The 8 Best Credit Cards for Gym & Fitness Memberships [2024]

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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.

What To Look for in a Credit Card for Gym Memberships and Fitness

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).

The 5 Best Personal Cards for Gym Memberships and Fitness

Card Summary

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CardWelcome Bonus and Annual FeeBenefits for Gym Memberships and Fitness
The World of Hyatt Credit Card
  • Earn 30,000 points after you spend $3,000 on purchases in your first 3 months and up to 30,000 more points by earning 2x points total on purchases that normally earn 1 bonus point, on up to $15,000 spent, in the first 6 months.
  • Annual fee of $95
  • 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
U.S. Bank Cash+® Visa Signature® Card
  • Earn a $200 bonus after spending $1,000 on eligible purchases within the first 120 days.
  • Annual fee of $0
  • 5% cash-back on the first $2,000 each quarter in combined eligible purchases on 2 categories you choose, including gyms and fitness centers
Citi Double Cash® Card
  • Earn $200 cash back after spending $1,500 in the first 6 months.
  • Annual fee of $0
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases (earned as ThankYou Points)
Chase Freedom Unlimited®
  • Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
  • Annual fee of $0
  • 1.5% cash-back on all non-bonus purchases
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Capital One Venture Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $95 (rates & fees)
  • Earn unlimited 2x miles on every purchase, every day

The World of Hyatt Credit Card

The World of Hyatt Credit Card

The World of Hyatt Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

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.
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Up to 60,000 points
$900
$95
21.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

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.

Pros

  • Up to 9 points total for Hyatt stays: 4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
  • 1x point per $1 on all other purchases
  • 1 Free Night Award each cardmember anniversary (Category 1 to 4)
  • A second Free Night Award when you spend $15,000 on the card
  • Hyatt Discoverist status
  • 5 automatic elite night credits each year
  • 2 elite night credits for every $5,000 spent on the card
  • DoorDash DashPass subscription
  • No foreign transaction fees
  • Purchase protection
  • Trip cancellation/interruption and luggage insurance

Cons

  • $95 annual fee
  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Member FDIC

Financial Snapshot

  • APR: 21.49% - 28.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

World of Hyatt

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:

  • Earn up to 9 points total for Hyatt stays — 4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting, and on fitness club and gym memberships
  • Earn 1x point per $1 on all other purchases

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.

Why We Like Earning World of Hyatt Points

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.

The best way to redeem World of Hyatt points for superb value is for stays at some of the most luxurious properties around the world.

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).

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

U.S. Bank Cash+® Visa Signature® Card

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.
Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200
$0
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.49% - 29.74% (Variable).
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

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.

Pros

  • 5% cash-back across a large range of expense categories (you choose 2 categories every quarter), including utility bills (a rare perk for a credit card), home utilities, cell phone providers, fast food, TV, internet and streaming services, gym/fitness centers, and more
  • 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
  • 2% cash-back on 1 everyday category, including grocery stores, restaurants, and gas stations
  • 1% cash-back on all other purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles; after that, a variable APR currently19.49 – 29.49%
  • No annual fee

Cons

  • Your 5% cash-back rewards on the top 2 categories of your choosing are limited to $2,000 in combined eligible purchases each quarter
  • Cash-back for travel expenses must be made through the Rewards Center
  • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.49 – 29.74%
  • No Annual Fee
  • Terms and conditions apply.

Financial Snapshot

  • APR: 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.49% - 29.74% (Variable).
  • Foreign Transaction Fees: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars or 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

Card Categories

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:

  • Earn 5% cash-back on the first $2,000 in combined eligible purchases each quarter on 2 categories you choose (including gyms and fitness centers)
  • Earn 2% cash-back on 1 everyday category like gas stations, grocery stores, or restaurants
  • Earn 1% cash-back on all other eligible purchases

At the moment, the list of 5% cash-back categories is:

  • Cell phone providers
  • Department stores
  • Electronics stores
  • Fast food
  • Furniture stores
  • Ground transportation
  • Gyms and fitness centers
  • Home utilities
  • Movie theaters
  • Select clothing stores
  • Sporting goods stores
  • TV, internet, and streaming services

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.

Citi Double Cash® Card

Citi Double Cash® Card

Citi Double Cash® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Learn More(at our partner's secure site)

Citi Double Cash® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back
$0
0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)

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.

Pros

  • Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
  • Flexible redemption options
  • No annual fee

Cons

  • No bonus categories
  • 3% foreign transaction fees
  • Lack of premium travel benefits
  • Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Citi Double Cash® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi TravelSM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.

Financial Snapshot

  • APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
  • Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Card Categories

Rewards Center

Citi ThankYou Rewards

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)!

Why We Like Earning Citi ThankYou Rewards Points

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%.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

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.

Pros

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Travel
  • 3% back on dining and drugstore purchases
  • 1.5% back on all other purchases
  • No annual fee
  • Earn big on travel purchased through Chase Travel
  • Everyday bonus on dining and drugstores
  • Straightforward cash-back on all other purchases
  • Ability to pool points

Cons

  • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Financial Snapshot

  • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

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:

  • 5% cash-back on travel purchased through the Chase Travel portal
  • 3% cash-back on dining
  • 1.5% cash-back on all other purchases

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.

Plus, take note of other important benefits like secondary rental car insurance, purchase protection, extended warranty protection, zero liability protection, and fraud protection.

The cash-back earned on the Freedom Unlimited card can be converted into transferable rewards points, Chase Ultimate Rewards in this case.

Why We Like Earning Chase Ultimate Rewards Points

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.

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)

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.

Pros

  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
  • No foreign transaction fees (rates & fees)
  • Access to Capital One transfer partners

Cons

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

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.

You’ll also get a $100 statement credit for Global Entry or TSA PreCheck application fees.

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.

Why We Like Earning Capital One Miles

Capital One miles are valuable because of their ability to be transferred to airline and hotel partners.

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.

This program allows you to redeem your miles for great premium cabin flights like Lufthansa first class and Cathay Pacific business class.

Also, you can redeem your points for statement credits, gift cards, travel purchases booked through Capital One Travel, experiences, and more.

The 3 Best Business Cards for Gym Memberships and Fitness

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 Summary

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CardWelcome Bonus and Annual FeeBenefits for Gym Memberships and Fitness
The Blue Business® Plus Credit Card from American Express
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Annual fee of $0 (Rates & Fees)
  • Earn 2x points on everyday purchases, up to the first $50,000 in purchases per year; 1 point per dollar thereafter
Ink Business Unlimited® Credit Card
  • Earn $750 cash back after spending $6,000 in the first 3 months.
  • Annual fee of $0
  • 1.5% cash-back on all purchases
World of Hyatt Business Credit Card
  • Earn 60,000 points after you spend $5,000 on purchases in your first 3 months.
  • Annual fee of $199
  • 2x points on fitness club and gym memberships

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees

The Blue Business® Plus Credit Card from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex's secure site)

The Blue Business® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
$330
No annual fee
18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-840)

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.

Pros

  • 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
  • Purchase protection and extended warranty protection
  • No annual fee and employee cards at no additional cost

Cons

  • No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
  • No elite travel benefits like lounge access or elite status
  • Charges foreign transaction fees
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • No Annual Fee
  • Terms Apply

Financial Snapshot

  • APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Rewards Center

American Express Membership Rewards

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.

Why We Like Amex Membership Rewards Points

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 AmexTravel.com, statement credits, gift cards, merchandise, and charity, but these options are never the most valuable.

The reason why Amex points are so valuable is that if you transfer your points to Amex transfer partners, you can book some incredible flights such as Emirates first class or ANA first class.

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.

Learn More(at Chase's secure site)

Ink Business Unlimited® Credit Card

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.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

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

Pros

  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • Earn flexible rewards

Cons

  • 3% foreign transaction fee
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Financial Snapshot

  • APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

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%.

World of Hyatt Business Credit Card

NEW OFFER
World of Hyatt Business Credit Card

World of Hyatt Business Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.

Learn More(at Chase's secure site)

World of Hyatt Business Credit Card

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.
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
60,000 points
$1,200
$199
21.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

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!

Pros

  • 9x points per $1 spent total for Hyatt stays and experiences: Earn 4x points at Hyatt hotels, participating Small Luxury Hotels of the World, participating Exhale locations, and eligible Lindblad Expeditions. Plus, 5x points spent just for being a World of Hyatt member.
  • 2x points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services.
  • 2x points per $1 spent on fitness club and gym memberships.
  • 1x point per $1 on all other purchases
  • Automatic World of Hyatt Discoverist status
  • Gift World of Hyatt Discoverist status to up to 5 employees
  • Up to $100 annual Hyatt credit — broken up into 2 $50 statement credits
  • Access to the Hyatt Leverage program
  • Earn 5 Elite Night Credits for every $10,000 you spend on the card in a calendar year
  • 10% back on redeemed points after spending $50,000 in a calendar year (with a cap of 20,000 points back per year); this rebate is only valid on stays after spending $50,000 on the card, and any stays prior to meeting that threshold will not be retroactively credited
  • Primary rental car insurance
  • Trip cancellation and interruption insurance
  • Purchase protection and extended warranty protection

Cons

  • $199 annual fee
  • Bonus categories and benefits are very similar to the personal card
  • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
  • 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
  • 2 Bonus Points per $1 spent on fitness club and gym memberships
  • 1 Bonus Point per $1 spent on all other purchases.
  • Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
  • World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
  • Member FDIC

Financial Snapshot

  • APR: 21.49% - 28.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

World of Hyatt

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:

  • 9 points total per $1 spent at Hyatt — 4 Bonus Points per $1 when you use your card at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2 Bonus Points per $1 spent in your top 3 spend categories each quarter through December 31, 2024, then your top 2 categories each quarter
  • 1 Bonus Point per $1 spent on all other purchases
  • Up to $100 in Hyatt statement credits — spend $50 or more at any Hyatt property and earn $50 statement credits up to 2 times each anniversary year
  • 5 Tier-Qualifying night credits toward status for every $10,000 you spend in a calendar year

Again, like the consumer card, you can also expect Discoverist elite status as long as you hold the card.

Fitness Statement Credits and Discounts

Equinox Monthly Credits

American Express and Equinox have partnered to offer up to $300 in statement credits each year for holders of The Platinum Card® from American Express.

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.

SoulCycle Credit

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.

Final Thoughts

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.

For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
For rates and fees of The Platinum Card® from American Express, click here.

Frequently Asked Questions

Can I use a credit card for a gym membership?

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.

What are the best credit cards for gym memberships?

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.

What are the best business credit cards for gym memberships?

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.

Why is using a credit card is better than using a checking account for a gym membership?

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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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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