Staying fit costs money — gym memberships, equipment, trainer fees, and shopping for healthy food.
Since you’re already spending on these expenses, why not get a credit card that rewards your spending?
Some of the best credit cards for fitness and gym memberships lets you earn up to 5% cashback on fitness-related costs. That’s worth hundreds of dollars in savings per year!
So, for all the fitness lovers and gym rats out there, here are our top credit card picks for you.
Best for Overall Value: Capital One Venture X Rewards Credit Card (review)
Best Budget Option: Capital One Venture Rewards Credit Card (review)
Best for Simplicity: Chase Freedom Unlimited® (review)
1. Capital One Venture X Rewards Credit Card
Best for Overall Value
The Capital One Venture X Rewards Credit Card (review) delivers both everyday value with unlimited 2x miles on purchases and premium comfort through comprehensive airport lounge access for you upon enrollment. You’ll also receive $300 in annual travel credits plus 10,000 anniversary bonus miles, creating substantial ongoing value.
Welcome Bonus: bonus_miles_full
Earning Rewards: 10x miles on hotels and rental cars and 5x miles on flights and vacation rentals booked through Capital One Travel; 2x miles on all other purchases.
Card Benefits: $300 annual credit for bookings through Capital One Travel, 10,000 bonus miles every account anniversary, airport lounge access (Capital One and Priority Pass) upon enrollment, Global Entry / TSA PreCheck credit, Hertz President’s Circle elite status, primary rental car insurance, trip delay insurance, trip cancellation insurance, and cell phone protection.
Transfer Partners: Accor (2 to 1), Aeromexico, Air Canada Aeroplan, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Emirates, Etihad, Finnair, I Prefer Hotels (1 to 2), Japan Airlines(2 to 1.5), JetBlue (5 to 3), Qantas, Qatar, Singapore KrisFlyer, TAP Air Portugal, Turkish Airlines, Virgin Red, and Wyndham Rewards.
The Venture X wasn’t specifically designed for gym membership expenses, but its 2x miles earning rate on non-category spend is one of the highest we’ve seen from a premium travel credit card.
It’s a versatile card that allows cardholders to earn rewards on travel, health and wellness, dining, groceries, shopping, and more.
2. U.S. Bank Cash+® Visa Signature® Card
Best for General Spending
- Earn a $200 Bonus After Spending $1,000 in the First 120 Days.
- 5% Cash Back on the First $2,000 in Spending Each Quarter in Two Categories that You Choose
- 2% Cash Back on one category like Gas Stations and EV Charging Stations, Grocery Stores, or Restaurants
- No Annual Fee
The U.S. Bank Cash+® Visa Signature® Card is a no-annual-fee card offering 5% cash back on:
- Your first $2,000 in combined purchases each quarter in two categories that you choose.
- Prepaid air, hotel, and car rental reservations booked directly in Rewards Travel Center.
You have the option to choose two of the following to earn 5% cash back: (1) Fast Food, (2) TV, Internet, and Streaming, (3) Cell Phone Providers, (4) Home Utilities, (5) Department Stores, (6) Electronic Stores, (7) Sporting Good Stores, (8) Movie Theaters, (9) Gyms/Fitness Centers, (10) Furniture Stores, (11) Ground Transportation, and (12) Select Clothing Stores.
You also have the option of choosing to earn 2% cash back for either: (1) grocery stores and grocery delivery, (2) restaurants, or (3) gas stations and EV charging stations.
All other eligible purchases will earn 1% cash back.
3. Capital One Venture Rewards Credit Card
Best Budget Option
- Earn 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
- 5x Miles on Hotels, Vacation Rentals, and Rental Cars via Capital One Travel
- 2x Miles Everywhere Else
- Global Entry or TSA Pre-Check Credit
- Hertz 5-Star Elite Status
- Rental Car Insurance and Extended Warranty
- $95 Annual Fee
The Capital One Venture Rewards Credit Card (review) offers 2x miles on every purchase and flexible redemption options through transfer partners or travel statement credits. This card shines with its straightforward rewards structure and useful travel benefits, making it a solid choice for both beginners and experienced travelers.
Welcome Bonus: Earn 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
Earning Rewards: 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel; 2x miles on all other eligible purchases.
Card Benefits: Global Entry or TSA PreCheck Credit, no foreign transaction fees, secondary rental car insurance, extended warranty, and lost luggage reimbursement.
Transfer Partners: Accor (2 to 1), Aeromexico, Air Canada Aeroplan, Air France-KLM Flying Blue, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Emirates, Etihad, Finnair, I Prefer Hotels (1 to 2), Japan Airlines(2 to 1.5), JetBlue (5 to 3), Qantas, Qatar, Singapore KrisFlyer, TAP Air Portugal, Turkish Airlines, Virgin Red, and Wyndham Rewards.
4. Citi Custom Cash℠ Card
Best for Flexible Rewards
The Citi Custom Cash℠ Card offers a unique rewards structure that automatically earns 5x points in your highest spending category each billing cycle, up to $500 in purchases. You’ll maximize your rewards with this flexible no-annual-fee card that adapts to your spending habits across ten useful bonus categories including restaurants, travel, groceries, and gas stations.
Welcome Bonus: bonus_miles_full
Earn Rewards: 5% cash back for your top category each billing cycle up to $500 in the following categories: restaurants, gas stations, grocery stores, select travel (airlines, hotels, cruise lines and travel agencies), select transit (car rentals, parking, EV charging, tolls, etc.), select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.; 1% cash back on all other eligible purchases.
Card Benefits: Access to Citi Entertainment, contactless payment, a free check of your FICO credit score, and 0% intro APR for 15 months on purchases and balance transfer, after that, a reg_apr,reg_apr_type APR applies.
5. Chase Freedom Unlimited®
Best for Simplicity
The Chase Freedom Unlimited® (review) sets itself apart with 1.5% back on non-bonus purchases, plus higher rewards in select categories including dining and travel. This flexible rewards card becomes even more valuable when paired with a premium Chase card, allowing you to transfer your rewards to travel partners.
Welcome Bonus: bonus_miles_full
Earning Cash Back: 5% back on travel purchased through Chase Travel℠; 3% back on dining at restaurants, including takeout and eligible delivery services; 3% back on drugstore purchases; 1.5% back on all other purchases
CaBenefits: Purchase protection, extended warranty, trip cancellation and interruption insurance, secondary rental car insurance, and 0% intro APR for 15 months from account opening on purchases and balance transfers, after that reg_apr,reg_apr_type APR applies;
6. World of Hyatt Credit Card
The World of Hyatt Credit Card (review) rewards members with nice perks including a yearly Category 1-4 free night certificate and Discoverist status benefits. This card particularly excels for those who spend regularly at Hyatt properties, earning bonus points while working toward valuable elite status tiers.
Welcome Bonus: Earn Up to 60,000 Bonus Points: 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months and 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.
Earning Points: 4x points on purchases at all Hyatt hotels; 2x points on restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships; and 1x points on all other purchases.
Card Benefits: Free night award at any Category 1-4 Hyatt hotel every year after your cardmember anniversary, World of Hyatt Discoverist status, no foreign transaction fees, travel insurance (baggage delay, lost luggage, trip cancellation, and secondary rental car insurance), and purchase protection.
7. Capital One Quicksilver Cash Rewards Credit Card
The Capital One Quicksilver Cash Rewards Credit Card (review) keeps rewards simple with unlimited 1.5% cash back on all purchases and includes useful benefits like no foreign transaction fees. The card works best for people seeking a low-maintenance rewards experience, though its earning rate falls behind more specialized cash back cards.
Welcome Bonus: bonus_miles_full
Earning Rewards: 5% cash back on hotels and rental cars booked through Capital One Travel; 1.5% cash back on all other eligible purchases.
Card Benefits: No foreign transaction fees, extended warranty, travel accident insurance, and a 0% intro APR for 15 months from account opening on purchases, then a reg_apr,reg_apr_type APR .
The Quicksilver card is a no-fuss card with a simple rewards structure. Whether you sign up for gym membership, subscribe to a meal plan, hire a personal trainer, or buy gym equipment for your home, you’ll earn a solid 1.5% on all your spending.
