Best Credit Card For Fitness Memberships

You want to maximize the return on your Fitness Memberships credit card spends. Since not all points are of equal value, we give the best multipliers based on the value of those points.
Most folks who are gym or fitness club members, pay membership fees on their credit card -- mostly via auto renew every month. If that describes you, there are a few cards that will let you roll up some easy points. Unfortunately, they usually come in the form of quarterly multipliers. The (+) version are the cards we recommend based on multiplier. The (-) versions have limitations you should be aware of.
US Bank Cash Plus US Bank Cash Plus
5X | 5.5 Per Dollar Spent
If selected as one of two 5x categories quarterly.
U.S. Bank FlexPerks »
Point System
US Bank »
Bank
$211
1st Year Value
20,000
Bonus Points
$1,000
Minimum Spend
1.1¢
Max Point Value
1.1¢
Max Point Value
Card Details
World of Hyatt World of Hyatt
2X | 3.4 Per Dollar Spent
Earn 2 points per $1 spent at fitness club and/or gym memberships.
World of Hyatt »
Point System
JP Morgan Chase »
Bank
$66
1st Year Value
0
Bonus Points
$5,000
Minimum Spend
1.7¢
Max Point Value
1.7¢
Max Point Value
Card Details
World of Hyatt Business World of Hyatt Business
2X | 3.4 Per Dollar Spent
Earn 2 points per $1 spent at fitness club and/or gym memberships.
World of Hyatt »
Point System
JP Morgan Chase »
Bank
$856
1st Year Value
60,000
Bonus Points
$5,000
Minimum Spend
1.7¢
Max Point Value
1.7¢
Max Point Value
Card Details
Explore More Spend Categories

Our Top Selections for Fitness Memberships (+)

Multiplier Point Value Per $ Spent
US Bank Cash Plus US Bank Cash Plus

If selected as one of two 5x categories quarterly.

 5x 1.1¢ 5.5¢
World of Hyatt World of Hyatt

Earn 2 points per $1 spent at fitness club and/or gym memberships.

 2x 1.7¢ 3.4¢
World of Hyatt Business World of Hyatt Business

Earn 2 points per $1 spent at fitness club and/or gym memberships.

 2x 1.7¢ 3.4¢
Citi Double Cash Citi Double Cash

All purchases, earn 1% cash back when you make a purchase and 1% when you pay it off

 2x 1.6¢ 3.2¢
Wells Fargo Active Cash Wells Fargo Active Cash

2% cash back on all purchases

 2x 1.3¢ 2.6¢

Other Cards with Solid Value for Fitness Memberships (=)

Multiplier Point Value Per $ Spent
Citi Custom Cash Citi Custom Cash

Auto-selects the top spend categories for 5x points. Includes: Restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, live entertainment

 5x 1.6¢ 8.0¢
Capital One Spark Cash Business Capital One Spark Cash Business

2% cash back on all purchases

 2x 1.3¢ 2.6¢
US Bank Business Leverage US Bank Business Leverage

On two highest categories per statement.

 2x 1.1¢ 2.2¢

Cards Offering Some Value for Fitness Memberships with Limitations (-)

Multiplier Point Value Per $ Spent
Chase Sapphire Reserve Chase Sapphire Reserve

On Peloton purchases over $150.

 10x 1.7¢ 16.5¢
Chase Sapphire Preferred Chase Sapphire Preferred

On eligible Peloton equipment and accessory purchases through 12/31/2027

 5x 1.7¢ 8.3¢
Bilt Palladium Bilt Palladium

Earn 4x points on Bilt Neighborhood Partner fitness studios

4x 1.7¢ 6.8¢
Bilt Blue Bilt Blue

Earn 3x points on Bilt Neighborhood Partner fitness memberships

 3x 1.7¢ 5.1¢
Bilt Obsidian Bilt Obsidian

Earn 3x points on Bilt Neighborhood Partner fitness studios

 3x 1.7¢ 5.1¢