Earn factors or money again whereas working up a sweat? Yup, it is doable.
If one among your 2025 resolutions is to strive a brand new at-home exercise program or hit your favourite health studio extra usually, we can assist you maximize your bank card rewards whereas doing so.
You might already know methods to earn factors on journey, eating and purchases in quite a few different classes. However you may also flip your sweat fairness into helpful rewards whereas understanding, too.
From CrossFit and calisthenics to body weight workouts and Bollywood dance routines, the choices are countless — and with the correct bank card in hand, you’ll reap monetary advantages, too.
The most effective playing cards for gyms, health lessons and tools
Whether or not you already belong to a fitness center, need to strive a brand new spot or are contemplating altering your ordinary exercise, these playing cards can assist you earn rewards whereas hitting your health targets.
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 offered by the cardboard issuer.
Past fitness center memberships and exercise lessons, we additionally expanded the standards for this listing to incorporate playing cards that earn if you buy health gear and athletic attire, which might generate no less than 2 factors per greenback spent (and in some instances, as much as 5 factors per greenback spent).
Evaluating the very best playing 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 spent on Peloton tools and accent purchases over $150 (by way of March 2025) — with a restrict of fifty,000 factors |
| Chase Sapphire Most well-liked Card | Incomes factors on tools purchases from Peloton and not using a excessive annual payment | 5 factors per greenback spent on Peloton tools and accent purchases over $150 (by way of March 2025) — with a restrict of 25,000 factors |
| World of Hyatt Credit score Card | Gymnasium memberships | 2 factors per greenback spent 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); fitness center memberships have been included in previous quarters |
| Bilt Mastercard | Health lessons | 1 level per greenback spent; nonetheless, you possibly can redeem your factors for a number of the hottest health lessons on the planet, together with SoulCycle, beginning at 3,000 factors a category (members should use the cardboard 5 occasions every assertion interval to earn factors; see Rewards & Advantages) |
| 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 in mixed spending 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 | U.S. Equinox customers | As much as $300 in annual assertion credit every calendar 12 months (enrollment required) |
Particulars of every card
Chase Sapphire Reserve
Peloton followers who do not thoughts paying an elevated annual payment will discover a number of worth out of the Chase Sapphire Reserve.
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Rewards: Earn 10 factors per greenback spent on Peloton tools and accent purchases over $150 (by way of March 2025) — as much as a most of fifty,000 factors. You may additionally earn 10 factors per greenback spent on inns and automobile leases booked by way of Chase Journey℠, 10 factors per greenback spent on Chase Eating, 10 factors per greenback spent on Lyft rides (by way of March 2025), 5 factors per greenback spent on flights booked with Chase Journey, 3 factors per greenback spent on different journey purchases and eating and 1 level per greenback spent on different purchases.
Notice that you simply will not obtain elevated incomes charges on journey purchases till you spend the primary $300 (the journey credit score that comes with the Sapphire Reserve) on journey yearly.
Welcome bonus: Earn 60,000 bonus factors after spending $4,000 on purchases inside three months of account opening.
As of December 2024, TPG values this bonus at $1,230.
Annual payment: $550
Take note: The Sapphire Reserve is one among 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 targets, it could actually allow you to earn heaps of factors when shopping for Peloton tools. From our valuations, you may get roughly a 20% return on spending.
To study extra, see our full evaluate of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most well-liked Card
If you happen to’re a fan of Peloton however do not need to pay the Sapphire Reserve’s exorbitant annual payment, strive the Chase Sapphire Most well-liked as an alternative.
Rewards: Earn 5 factors per greenback spent on journey booked by way of Chase Journey, 5 factors per greenback spent on Peloton tools and accent purchases over $150 (by way of March 2025, with a restrict of 25,000 bonus factors), 5 factors per greenback spent on Lyft purchases (by way of March 2025), 3 factors per greenback spent on eating, choose streaming companies and on-line grocery retailer purchases (excludes Goal®, Walmart® and wholesale golf equipment), 2 factors per greenback spent on all journey not booked by way of Chase Journey and 1 level per greenback spent on every thing else.
Welcome bonus: Earn 60,000 bonus factors after spending $4,000 within the first three months from account opening. As of December 2024, TPG values this bonus at $1,230.
Annual payment: $95
Take note: Just like the Sapphire Reserve, the Sapphire Most well-liked is nice for journey and for incomes factors on Peloton purchases. On prime of a $50 annual lodge credit score and average annual payment, you can also obtain a roughly 10% return on spending for Peloton purchases, primarily based on our valuations.
To study extra, see our full evaluate of the Chase Sapphire Most well-liked.
Apply right here: Chase Sapphire Most well-liked
World of Hyatt Credit score Card
If you happen to’re a Hyatt loyalist, it is a no-brainer to get the World of Hyatt card.
Rewards: Earn 4 factors per greenback spent on purchases at Hyatt inns, 2 factors per greenback spent at eating places, choose journey and commuting, health golf equipment and fitness center memberships and 1 level per greenback spent on all different purchases.
Welcome bonus: Earn 30,000 bonus factors after spending $3,000 on purchases within the first three months, plus as much as a further 30,000 bonus factors by incomes 2 bonus factors complete per $1 spent within the first six months from account opening on purchases that usually earn 1 bonus level, on as much as $15,000 spent.
Since TPG values Hyatt factors at 1.7 cents apiece as of December 2024, this bonus is value as much as $1,020.
Annual payment: $95
Take note: The World of Hyatt card earns 2 factors per greenback spent on health golf equipment and fitness center memberships — a pleasant return that can be utilized towards a Hyatt redemption.
You can too earn as much as two free nights per 12 months 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 12 months.
To study extra, see our full evaluate of the World of Hyatt card.
Apply right here: World of Hyatt card
Chase Freedom Flex
If you happen to’re on the lookout for a well-rounded card so as to add to your pockets, look no additional than the 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 companies) and on drugstore purchases, and earn 1% again on all different purchases.
Welcome bonus: Earn $200 money again after spending $500 on purchases within the first three months from account opening.
Annual payment: $0
Take note: The Freedom Flex may very well be a fantastic possibility when its quarterly bonus classes embrace fitness center memberships. Nonetheless, you may solely earn bonus rewards on fitness center memberships for that quarter. After that, your incomes charge will drop to 1% again.
These bonus rewards will be much more profitable in case you even have a higher-end Chase card in your pockets — just like the Chase Sapphire Most well-liked 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 absolutely transferable Chase Final Rewards factors.
To study extra, see our full evaluate of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Bilt Mastercard
If you happen to lease, you may need to apply for the Bilt Mastercard so you possibly can earn factors on lease (as much as 100,000 factors per 12 months).
Editor’s notice: TPG founder Brian Kelly is a Bilt adviser and investor.
Rewards: Earn 3 factors per greenback spent on eating and a pair of factors per greenback spent on journey. Moreover, earn as much as one level per greenback spent on lease with no transaction charges on the primary $100,000 spent (as much as 100,000 factors in a calendar 12 months). Use your card no less than 5 occasions every assertion interval to earn factors on all purchases. See Rewards & Advantages for extra.
Welcome bonus: None
Annual payment: No annual payment
Take note: The Bilt Mastercard is the primary and solely card in the marketplace that lets you pay your lease with no transaction charges (see charges and charges).
Past that, there is a key purpose why this card is included as a fantastic possibility for health purchases: You’ll be able to redeem your factors for a number of the hottest train lessons on the planet, together with SoulCycle, beginning at 3,000 factors a category.
Bilt Rewards factors are fairly helpful, 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 Aeroplan and World of Hyatt. Different redemption choices embrace future mortgage or lease funds, merchandise and extra. See the complete rewards and advantages right here.
To study extra, see our full evaluate of the Bilt Mastercard.
Apply right here: Bilt Mastercard
U.S. Financial institution Money+ Visa Signature Card
If you happen to’d want to earn money again, the U.S. Financial institution Money+ card may be the correct selection for you.
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, equivalent 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 out there for five% incomes, permitting you to earn bonus cash-back in your health purchases.
Signal-up bonus: Earn $200 after spending $1,000 in eligible purchases within the first 90 days of account opening.
Annual payment: $0
Take note: 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 capable of make use of 5% again on gyms this quarter? Decide one thing else — together with TV, web and streaming companies — and save gyms for later this 12 months.
It is value noting that U.S. Financial institution says the class choices are topic to vary quarterly and that your 5% bonus earnings are capped at $100 per quarter.
Study extra: U.S. Financial institution Money+ Visa Signature Card
Prime Visa
If you happen to’re an Amazon Prime member, contemplate making use of for the Prime Visa to get probably the most out of your Amazon purchases.
Rewards: Earn 5% again at Amazon.com and at Complete Meals Market; 5% again on Chase Journey purchases; 2% again at eating places, fuel stations and native transit and commuting; and 1% again on all different purchases. Moreover, earn 10% or extra on a rotating collection of gadgets and classes on Amazon.com.
Welcome bonus: Obtain a $150 Amazon reward card immediately upon approval for Prime members.
Annual payment: None — however you have to be an Amazon Prime member to qualify. Prime subscriptions now value $139 yearly.
Take note: This card provides best-in-class earnings on purchases at Amazon. With such a big collection of exercise tools, gear and train attire out there, we contemplate it a card that’s worthy of point out. You should purchase weights, yoga mats, operating gear, stationary bikes and far more to construct your personal residence fitness center.
This card does 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.
To study extra, see our full evaluate of the Prime Visa.
Apply right here: Prime Visa
The Platinum Card from American Specific
Regardless of its extremely excessive annual payment, the Amex Platinum has so much to supply the correct particular person.
Rewards: Earn 5 factors per greenback spent on flights booked instantly with airways or with American Specific Journey (on as much as $500,000 on these purchases per calendar 12 months, then 1 level per greenback after that), 5 factors per greenback spent on pay as you go inns by way of American Specific Journey and 1 level per greenback spent on all different eligible purchases.
Welcome provide: Earn 80,000 factors after spending $8,000 on purchases inside the first six months of card membership. You might be focused for a better welcome provide by way of the CardMatch device; provides are topic to vary at any time, and never everybody shall be focused for a similar welcome provide.
Annual payment: $695 (see charges and charges)
Take note: Whilst you’ll solely earn 1 level per greenback spent on fitness center memberships and health golf equipment, Amex Platinum cardmembers can rise up to $300 again every calendar 12 months in assertion credit for eligible U.S. Equinox memberships or the Equinox+ app. Enrollment is required upfront, and phrases apply; memberships are 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 because of the Amex Platinum.
To study extra, see our full evaluate 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 strong decide for on a regular basis spending. A few of these choices embrace:
These are regular incomes charges on these playing cards — nevertheless it does not make them any much less profitable.
Notice that you simply must also verify for reductions in your playing cards by way of applications like Amex Provides and Chase Provides. These are restricted and nearly at all times one-time reductions, however can nonetheless present worth.
Lastly, in case you plan on buying train tools and wish additional time to pay it off, you could need to have a look at a card with 0% introductory APR. Simply be sure you repay the complete quantity earlier than the top of that promotional interval. In any other case, you could possibly be hit with large curiosity fees.
Backside line
You’ll nearly definitely not spend sufficient cash in a 12 months 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 specific bank card align along with your spending habits, receiving extra factors to your exercises is a good perk.
Apply right here: Chase Sapphire Reserve
Apply right here: Chase Sapphire Most well-liked 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.
