Whether you do your workouts at home or at the gym, staying healthy and fit costs money. You pay for membership fees, buy equipment, hire a personal trainer, and shop for healthy food.
If you’re going to keep spending money on these things long term, why not get a credit card that lets you earn rewards?
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: Chase Freedom Flex℠
Best for Everyday Spending: Blue Cash Everyday® Card from American Express
Best for Flexible Rewards: Citi Custom Cash℠ Card
1. Chase Freedom Flex℠
Best for Overall Value
- Earn $200 Bonus Cash Back After Spending $500 in the First 3 Months
- 5% Cash Back in Quarterly Bonus Categories (up to $1,500 in combined spending after activation)
- 5% Cash Back on Travel Purchased Via Chase
- 3% Cash Back at Restaurants, Eligible Food Delivery, and Drug Stores
- Cell Phone Insurance and Purchase Protection
- No Annual Fee
The Chase Freedom Flex℠ is a great no-annual fee card that earns 5% cash back in quarterly categories (up to $1,500 in combined spending) and on travel purchased via Chase Ultimate Rewards.
The Freedom Flex also earns 3% cash back at restaurants, eligible food delivery, and drug stores.
The card also comes with nice benefits such as cell phone insurance, extended warranty, purchase protection, secondary rental car insurance, and trip cancellation/interruption insurance.
For the Q1 categories of 2023, Chase Freedom Flex cardholders will earn 5% cashback on Fitness Clubs & Gym Memberships and Grocery Stores (excluding Walmart).
You basically earn rewards for spending on gym memberships and purchasing healthy food options at the grocery store.
2. Citi Custom Cash℠ Card
Best for Flexible Rewards
- Earn $200 Cash Back After Spending $1,500 in the First Six Months
- 5% Cash Back on Purchases in Your Top Eligible Spend Category Each Billing Cycle up to $500 (1% after that)
- 0% Intro APR for 15 Months on Purchases and Balance Transfers ($5 or 5% fee). After that, a variable APR of 18.74% – 28.74% applies.
- No Annual Fee
The Citi Custom Cash℠ Card is a no-annual-fee card that earns 5% cash back in your top spending category each billing cycle.
Eligible 5% cash back categories include restaurants, gas stations, grocery stores, select travel, home improvement stores, drug stores, select transit, select streaming, fitness clubs, and live entertainment.
This allows you to turn the Custom Cash into your 5% cash back card for gas stations, restaurants, grocery stores, or several other categories.
Unlike the Chase Freedom Flex, the Citi Custom Cash doesn’t have rotating categories that you need to activate.
If your top spending category for a one billing cycle was on gym memberships, then you’ll automatically earn 5% on that category. The card gives you the flexibility on how you want to earn your rewards.
3. Capital One Venture X Rewards Credit Card
Best Flat Rates On Non-category Spending
The Capital One Venture X Rewards Credit Card is a premium travel rewards card that’s perfect for travelers who want outstanding travel perks like annual travel credits, worldwide airport lounge access, and travel and purchase protections.
The Venture X earns 2x miles on all purchases helping you maximize every dollar of your spending. Plus, you can earn 10x miles on hotels and rental cars, and 5x miles on flights booked through Capital One.
The card has a $395 annual fee, it is completely offset by an easy-to-use $300 annual travel credit for bookings via Capital One Travel and 10,000 points (worth at least $100) each account anniversary.
Plus you get airport lounge access at Priority Pass, Capital One, and Plaza Premium Lounges, Hertz President’s Circle elite status, Global Entry or TSA PreCheck credit, rental car insurance, trip and luggage insurance, cell phone insurance, and purchase protection.
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.
4. Blue Cash Everyday® Card from American Express
Best for Everyday Spending
- Earn a $200 Statement Credit After Spending $2,000 in the First 6 Months.
- 3% Cash Back at U.S. Supermarkets, U.S. Online Retail Purchases, & U.S. Gas Stations (each on up to $6,000 per year in purchases, 1% thereafter)
- 0% Intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.74% to 29.74% variable APR.
- No Annual Fee (Rates and Fees)
The Blue Cash Everyday® Card from American Express is good no-annual fee credit card option that earns 3% cash back at U.S. supermarkets, U.S. online retail purchases, & U.S. gas stations (each on up to $6,000 per year in purchases, 1% thereafter).
The Blue Cash also offers $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, including Disney+, Hulu, and ESPN+. (Enrollment required.)
Plus, a $180 annual credit for Home Chef purchases in the form of a monthly $15 statement credit
5. World of Hyatt Credit Card
Best for Travel and Hyatt Stays
- Earn Up to 60,000 Points: 30,000 Points for Spending $3,000 in First 3 Months + Up to 30K Points with 2x Bonus Points per $1 in the First 6 Months on Up to $15,000 Spent
- 4X Points at all Hyatt Hotels
- 2X Points on Dining, with Airlines, Local Transit, & Gyms
- One Free Night Each Year (Category 1-4) + Extra Free Night After Spending $15,000 Per Calendar Year
- Automatic Discoverist Status
- $95 Annual Fee
The World of Hyatt Credit Card is one of the better hotel credit cards that offers 4x points at Hyatt hotels and 2x points in several categories, including at restaurants, airline tickets purchased directly with airlines, local transit, commuting, and fitness clubs.
Plus, you get a free hotel night at a Category 1-4 Hyatt Hotel to offset the $95 annual fee, and you can earn an additional night when you spend $15,000 in a calendar year.
6. Capital One Quicksilver Cash Rewards Credit Card
Best for Simple Rewards Structure
- Earn a $200 Bonus After Spending $500 in Purchases in the First 3 Months
- 1.5% Cash Back on Every Purchase
- 5% Cash Back on Hotels and Rental Cars Booked via Capital One Travel
- No Annual Fee
The Capital One Quicksilver Cash Rewards Credit Card is a no-annual-fee credit card offering 1.5% cash back on all purchases.
It also comes with nice benefits such as no foreign transaction fees, extended warranty, and travel accident insurance.
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.
7. Amazon Prime Rewards Visa Signature Card
Best for Amazon Shopping
- Earn a $150 Amazon Gift Card Upon Approval
- 5% Cash Back at Amazon.com and Whole Foods
- 2% Cash Back at Restaurants, Gas Stations, and Drugstores
- 1% Cash Back on All Other Purchases
- Purchase Protection, Extended Warranty, Secondary Rental Car Insurance, and Baggage Delay Insurance.
- No Annual Fee
The Amazon Prime Rewards Visa Signature Card is a no-annual fee card that offers 5% cash back at Amazon and Whole Foods if you have a Prime membership.
The Amazon Prime Visa also offers nice card benefits such as lost luggage reimbursement, baggage delay insurance, secondary rental car insurance, purchase protection, and extended warranty.
If you’re someone who loves to workout at home, then the Amazon Prime Rewards Card is perfect for you. You can purchase fitness equipment on Amazon.com, such as stationary bikes, treadmills, weights, and more to set up your own home gym.
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
