Best Credit Card for Fitness Memberships
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.
5X | 5.0Per Dollar Spent
If selected as one of two 5x categories quarterly.
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Cash in Cents »
Point System
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US Bank »
Bank
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$211 1st Year Value
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20,000 Bonus Points
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$1,000 Minimum Spend
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1.0¢ Max Point Value
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2X | 3.2Per Dollar Spent
Earn 2 points per $1 spent at fitness club and/or gym memberships.
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World of Hyatt »
Point System
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JP Morgan Chase »
Bank
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$891 1st Year Value
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60,000 Bonus Points
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$5,000 Minimum Spend
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1.6¢ Max Point Value
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2X | 3.2Per Dollar Spent
Earn 2 points per $1 spent at fitness club and/or gym memberships.
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World of Hyatt »
Point System
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JP Morgan Chase »
Bank
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$1,089 1st Year Value
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60,000 Bonus Points
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$3,000 Minimum Spend
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1.6¢ Max Point Value
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Our Top Selections for Fitness Memberships (+)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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US Bank CashPlus Visa If selected as one of two 5x categories quarterly. |
5x | 1.0¢ | 5.0¢ |
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World Of Hyatt Business card Earn 2 points per $1 spent at fitness club and/or gym memberships. |
2x | 1.6¢ | 3.2¢ |
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World Of Hyatt Card Earn 2 points per $1 spent at fitness club and/or gym memberships. |
2x | 1.6¢ | 3.2¢ |
Other Cards with Solid Value for Fitness Memberships (=)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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US Bank Leverage On two highest categories per statement. |
2x | 1.2¢ | 2.4¢ |
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Capital One Spark Cash Plus Business 2% cash back on all purchases |
2x | 1.1¢ | 2.2¢ |
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Citi Double Cash All purchases, earn 1% cash back when you make a purchase and 1% when you pay it off |
2x | 1.0¢ | 2.0¢ |
Cards Offering Some Value for Fitness Memberships with Limitations (-)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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Chase Sapphire Reserve | 10x | 1.7¢ | 17.0¢ |
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Chase Sapphire Preferred Earn 5x total points on Peloton equipment and accessory purchases over $150 with a max earn of 25,000 total points through Mar. 31, 2025 |
5x | 1.6¢ | 8.0¢ |
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Wells Fargo Active Cash 2% cash back on all purchases |
1x | 1.5¢ | 1.5¢ |