Earn factors or money again whereas working up a sweat? Yup, it is doable.
If certainly one of your 2024 resolutions is to strive a brand new at-home exercise program or hit your favourite health studio extra often, we can assist you maximize your bank card rewards whereas doing so.
It’s possible you’ll already know find out how to earn factors on journey, eating and purchases in quite a few different classes. However you may also flip your sweat fairness into worthwhile rewards whereas figuring out, too.
From CrossFit and calisthenics to body weight workouts and Bollywood dance routines, the choices are limitless — and with the suitable bank card in hand, you’ll reap monetary advantages, too.
The very best bank cards for gyms, health lessons and tools
Whether or not you already belong to a fitness center, wish to strive a brand new spot or are contemplating altering your typical exercise, these playing cards can assist you earn rewards whereas hitting your health objectives.
The knowledge 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 fitness center memberships and exercise lessons, we additionally expanded the factors for this listing to incorporate playing cards that earn while you buy health gear and athletic attire which generate a minimum of 2 factors per greenback spent (and in some instances, as much as 5 factors per greenback).
Associated: How one can get entry to an ideal fitness center in every single place you journey
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Evaluating the perfect bank cards for health purchases
| Card | Finest for | Incomes charge |
|---|---|---|
| Chase Sapphire Reserve | Incomes a number of factors on tools purchases from Peloton | 10 factors per greenback on Peloton tools and accent purchases over $150 (by means of March 2025) — with a restrict of fifty,000 factors |
| Chase Sapphire Most popular Card | Incomes factors on tools purchases from Peloton with out a excessive annual charge | 5 factors per greenback on Peloton tools and accent purchases over $150 (by means of March 2025) — with a restrict of 25,000 factors |
| World of Hyatt Credit score Card | Gymnasium memberships | 2 factors per greenback on health golf equipment and fitness center memberships |
| Chase Freedom Flex | Gymnasium memberships | 5% money again on rotating bonus classes after activation (as much as $1,500 per quarter); Q1 of 2024 consists of fitness center memberships |
| Bilt Mastercard | Health lessons | 1 level per greenback; nevertheless, you possibly can redeem your factors for a number of the hottest health lessons on this planet, together with SoulCycle, beginning at 3,000 factors a category |
| U.S. Financial institution Money+ Visa Signature Card | Gymnasium memberships and sporting items shops | 5% money again on two classes out of a selection of 12, on as much as $2,000 per quarter |
| Prime Visa | Athletic clothes, gear or tools bought on Amazon.com | 5% money again on Amazon.com purchases |
| The Platinum Card from American Specific | Equinox+ customers | As much as $300 in annual assertion credit |
Particulars of every card
Chase Sapphire Reserve
Signal-up bonus: Earn 60,000 bonus Final Rewards factors after spending $4,000 on purchases inside three months of account opening. TPG values this bonus at $1,230.
Annual charge: $550
Bear in mind: 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 could allow you to earn heaps of factors when shopping for Peloton tools. From our valuations, you will get a 20% return on spending.
For extra particulars, see our full assessment of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most popular Card
Rewards: Earn 5 factors per greenback on journey booked by means of the Chase journey portal, 5 factors per greenback on Peloton tools and accent purchases over $150 (by means of March 2025, with a restrict of 25,000 bonus factors), 5 factors per greenback on Lyft purchases (by means of March 2025), three factors per greenback on eating, choose streaming providers and on-line grocery retailer purchases (excludes Goal, Walmart and wholesale golf equipment), two factors per greenback on all journey not booked by means of the Chase journey portal and one level per greenback on all the things else.
Signal-up bonus: Earn 60,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening. TPG values this bonus at $1,230.
Annual charge: $95
Bear in mind: Just like the Sapphire Reserve, the Sapphire Most popular is nice for journey and for incomes factors on Peloton purchases. On high of a $50 annual lodge credit score and average annual charge, you can also obtain a ten% return on spending for Peloton purchases, primarily based on our newest valuations.
For extra particulars, see our full assessment of the Chase Sapphire Most popular.
Apply right here: Chase Sapphire Most popular
World of Hyatt Credit score Card
Rewards: Earn 4 factors per greenback on purchases at Hyatt lodges, two factors per greenback at eating places, on airline tickets bought immediately from airways, native transit and commuting, eating, health golf equipment and fitness center memberships and one level per greenback on all different purchases.
Signal-up bonus: Earn 30,000 bonus factors after spending $3,000 on purchases inside the first three months from account opening. Then, obtain as much as 30,000 extra bonus factors by incomes two bonus factors whole per greenback spent on purchases that usually earn one bonus level, on as much as $15,000 within the first six months of account opening. Since TPG values Hyatt factors at 1.7 cents apiece, the total bonus is price $1,020.
Annual charge: $95
Bear in mind: As you possibly can see, the World of Hyatt Credit score Card earns two factors per greenback on health golf equipment and fitness center 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 evening certificates usable at a Class 1-4 property after your card anniversary and may earn a second free evening at a Class 1-4 property by spending $15,000 on the cardboard in a cardmember yr.
For extra particulars, see our full assessment of the World of Hyatt card.
Apply right here: World of Hyatt card
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 providers) and on drugstore purchases, and earn 1% again on all different purchases.
Signal-up bonus: Earn $200 money again after you spend $500 on purchases within the first three months from account opening.
Annual charge: $0
Bear in mind: The Freedom Flex might be an ideal choice for the primary few months of the yr, as the cardboard’s quarterly bonus classes embrace fitness center memberships (together with grocery shops, salon and spa purchases) for the primary quarter of 2024. Nevertheless, you will solely earn bonus rewards on fitness center memberships with this card Jan. 1 by means of March 31. After that, your incomes charge will drop to 1% again.
These bonus rewards could be much more profitable for those who even have a higher-end Chase card in your pockets — just like the Chase Sapphire Most popular Card or Chase Sapphire Reserve. That is as a result of you possibly can 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 totally transferable Chase Final Rewards factors.
For extra particulars, see our full assessment of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Bilt Mastercard
Editor’s be aware: TPG founder Brian Kelly is a Bilt advisor and investor.
Rewards: Earn three factors per greenback on eating and a pair of factors per greenback on journey. Moreover, earn as much as one level per greenback on hire with no charges, on as much as the primary $100,000 spent. Use your card a minimum of 5 instances every assertion interval to earn factors on all purchases.
Signal-up bonus: None
Annual charge: $0 (see charges and charges)
Bear in mind: The Bilt Mastercard is the primary and solely card available on the market that means that you can pay your hire fee-free.
Past that, there is a key cause why this card is included as an ideal choice for health purchases: You possibly can redeem your factors for a number of the hottest train lessons on this planet, 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 charge to a variety of airline and lodge loyalty applications. A few of our favourite switch companions embrace American Airways AAdvantage and World of Hyatt. Different redemption choices embrace future mortgage or hire credit score, health lessons and extra. See the total rewards and advantages right here.
For extra particulars, see our full assessment of the Bilt Mastercard.
Apply right here: Bilt Mastercard
U.S. Financial institution Money+ Visa Signature Card
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 selection of 1 on a regular basis class, akin 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 obtainable for five% incomes, permitting you to earn bonus cash-back in your health purchases.
Signal-up bonus: Earn $200 after you spend $1,000 in eligible purchases within the first 120 days of account opening.
Annual charge: $0
Bear in mind: 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 in a position to make use of 5% again on gyms this quarter? Choose one thing else — together with TV, web and streaming providers — and save gyms for later this yr.
It is price noting that U.S. Financial institution says the class choices are topic to alter quarterly and that your 5% bonus earnings are capped at $100 per quarter.
For extra particulars, learn our full assessment of the U.S. Financial institution Money+ Visa Signature Card.
Prime Visa
Rewards: Earn 5% again at Amazon.com and at Entire Meals Market; 2% again at eating places, fuel stations and native transit and commuting; and 1% again on all different purchases.
Signal-up bonus: Obtain a $100 Amazon present card immediately upon approval.
Annual charge: None – however you have to be an Amazon Prime member to qualify. Prime subscriptions now value $139 yearly.
Bear in mind: This card presents best-in-class earnings on purchases at Amazon. With such a big choice of exercise tools, gear and train attire obtainable, we think about it a card that’s worthy of point out. You should purchase weights, yoga mats, working gear, stationary bikes and far more to construct your personal residence fitness center.
This card would not technically include a bonus rewards class for athletic gear, however any clothes, gear or tools you buy on Amazon.com ought to obtain 5% money again.
For extra particulars, see our full assessment of the Prime Visa.
Apply right here: Prime Visa
The Platinum Card® from American Specific
Rewards: Earn 5 factors per greenback on flights booked immediately with airways or with Amex Journey (on as much as $500,000 on these purchases per calendar yr), 5 factors per greenback on pay as you go lodges by means of Amex Journey and 1 level per greenback on all different eligible purchases.
Welcome provide: Earn 80,000 Membership Rewards Factors after you spend $8,000 on purchases inside the first six months of card membership.
Annual charge: $695 (see charges and charges)
Bear in mind: Whilst you’ll solely earn 1 level per greenback on fitness center memberships and health golf equipment, cardholders of the Amex Platinum can stand up to $300 again annually in assertion credit for eligible Equinox memberships or the Equinox+ app. Enrollment is required upfront; topic to auto-renewal.
Whether or not you select to work out at residence or in particular person, Equinox members can take pleasure in a reduction on their membership prices due to the Amex Platinum.
For extra particulars, see our full assessment of the Amex Platinum Card.
Apply right here: Amex Platinum
Different choices
If you happen to do not love any of those choices, you possibly can nonetheless use a card that is a stable decide for on a regular basis spending. A few of these choices embrace:
These are regular incomes charges on these playing cards — but it surely would not make them any much less profitable.
Notice that you just also needs to examine for reductions in your playing cards due to applications like Amex Provides and Chase Provides. These are restricted and nearly at all times one-time reductions, however can nonetheless present worth.
Lastly, for those who plan on making a big buy of train tools and need additional time to pay it off, you could wish to have a look at a card with 0% introductory APR. Simply make sure you repay the whole quantity earlier than the top of that promotional interval. In any other case, you possibly can be hit with large curiosity costs.
Backside line
You’ll nearly actually not spend sufficient cash in a yr to base your selection of a bank card on whether or not you possibly can earn bonus factors with the cash you spend on fitness center memberships or gear. But when different bonus classes on a selected bank card align along with your spending habits, receiving extra factors in your exercises is a good perk.
Apply right here: Chase Sapphire Reserve
Apply right here: Chase Sapphire Most popular Card
Apply right here: World of Hyatt Credit score 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 right here.
For charges and charges of the Bilt Mastercard, click on right here.
For rewards and advantages of the Bilt Mastercard, click on right here.
