Earn factors or money again whereas working up a sweat? Yup, it is doable.
If certainly one of your 2025 resolutions is to attempt 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.
You could already know the right way to earn factors on journey, eating and purchases in quite a few different classes. However you may as well 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 countless — and with the proper bank card in hand, you’ll reap monetary advantages, too.
The perfect playing cards for gyms, health courses and gear
Whether or not you already belong to a gymnasium, need to attempt a brand new spot or are contemplating altering your standard 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 supplied by the cardboard issuer.
Past gymnasium memberships and exercise courses, we additionally expanded the standards for this record to incorporate playing cards that earn while you buy health gear and athletic attire, which might generate a minimum of 2 factors per greenback spent (and in some circumstances, as much as 5 factors per greenback spent).
Evaluating the very best playing cards for health purchases
| Card | Finest for | Incomes price |
|---|---|---|
| Chase Sapphire Reserve | Incomes a number of factors on gear purchases from Peloton | 10 factors per greenback spent on Peloton gear and accent purchases over $150 (via March 2025) — with a restrict of fifty,000 factors |
| Chase Sapphire Most well-liked Card | Incomes factors on gear purchases from Peloton and not using a excessive annual payment | 5 factors per greenback spent on Peloton gear and accent purchases over $150 (via March 2025) — with a restrict of 25,000 factors |
| World of Hyatt Credit score Card | Health club memberships | 2 factors per greenback spent on health golf equipment and gymnasium memberships |
| Chase Freedom Flex | Health club memberships | 5% money again on rotating bonus classes after activation (as much as $1,500 per quarter); gymnasium memberships have been included in previous quarters |
| Bilt Mastercard | Health courses | 1 level per greenback spent; nevertheless, you possibly can redeem your factors for a few of the hottest health courses on this 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 | Health club 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 gear 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 yr (enrollment required) |
Particulars of every card
Chase Sapphire Reserve
Peloton followers who do not thoughts paying an elevated annual payment will discover loads of worth out of the Chase Sapphire Reserve.
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Rewards: Earn 10 factors per greenback spent on Peloton gear and accent purchases over $150 (via March 2025) — as much as a most of fifty,000 factors. You will additionally earn 10 factors per greenback spent on resorts and automobile leases booked via Chase Journey℠, 10 factors per greenback spent on Chase Eating, 10 factors per greenback spent on Lyft rides (via 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.
Word that you just 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 into account: 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 targets, it could possibly allow you to earn heaps of factors when shopping for Peloton gear. From our valuations, you may get roughly a 20% return on spending.
To be taught extra, see our full evaluate of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most well-liked Card
In the event you’re a fan of Peloton however do not need to pay the Sapphire Reserve’s exorbitant annual payment, attempt the Chase Sapphire Most well-liked as a substitute.
Rewards: Earn 5 factors per greenback spent on journey booked via Chase Journey, 5 factors per greenback spent on Peloton gear and accent purchases over $150 (via March 2025, with a restrict of 25,000 bonus factors), 5 factors per greenback spent on Lyft purchases (via 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 via Chase Journey and 1 level per greenback spent on every part 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 into account: 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 be taught 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
In the event you’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 resorts, 2 factors per greenback spent at eating places, choose journey and commuting, health golf equipment and gymnasium 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 an extra 30,000 bonus factors by incomes 2 bonus factors whole 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 price as much as $1,020.
Annual payment: $95
Take into account: The World of Hyatt card earns 2 factors per greenback spent on health golf equipment and gymnasium memberships — a pleasant return that can be utilized towards a Hyatt redemption.
You may as well earn as much as two free nights per yr on Hyatt properties by utilizing this card. You will obtain a free night time certificates usable at a Class 1-4 property after your card anniversary and may earn a second free night time at a Class 1-4 property by spending $15,000 on the cardboard in a cardmember yr.
To be taught extra, see our full evaluate of the World of Hyatt card.
Apply right here: World of Hyatt card
Chase Freedom Flex
In the event you’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 into account: The Freedom Flex might be an amazing possibility when its quarterly bonus classes embody gymnasium memberships. Nevertheless, you will solely earn bonus rewards on gymnasium memberships for that quarter. After that, your incomes price will drop to 1% again.
These bonus rewards might 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 totally transferable Chase Final Rewards factors.
To be taught extra, see our full evaluate of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Bilt Mastercard
In the event you lease, you will need to apply for the Bilt Mastercard so you possibly can earn factors on lease (as much as 100,000 factors per yr).
Editor’s word: 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 yr). Use your card a minimum of 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 into account: 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 costs).
Past that, there is a key purpose why this card is included as an amazing possibility for health purchases: You’ll be able to redeem your factors for a few of the hottest train courses 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 price to a variety of airline and lodge loyalty packages. A few of our favourite switch companions embody Aeroplan and World of Hyatt. Different redemption choices embody future mortgage or lease funds, merchandise and extra. See the total rewards and advantages right here.
To be taught extra, see our full evaluate of the Bilt Mastercard.
Apply right here: Bilt Mastercard
U.S. Financial institution Money+ Visa Signature Card
In the event you’d choose to earn money again, the U.S. Financial institution Money+ card could be the suitable 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, comparable to gasoline 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 spending $1,000 in eligible purchases within the first 90 days of account opening.
Annual payment: $0
Take into account: 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? Choose one thing else — together with TV, web and streaming companies — 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.
Be taught extra: U.S. Financial institution Money+ Visa Signature Card
Prime Visa
In the event you’re an Amazon Prime member, take into account 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, gasoline stations and native transit and commuting; and 1% again on all different purchases. Moreover, earn 10% or extra on a rotating number of objects and classes on Amazon.com.
Welcome bonus: Obtain a $150 Amazon reward card immediately upon approval for Prime members.
Annual payment: None — however you should be an Amazon Prime member to qualify. Prime subscriptions now value $139 yearly.
Take into account: This card presents best-in-class earnings on purchases at Amazon. With such a big number of exercise gear, gear and train attire obtainable, we take into account it a card that’s worthy of point out. You should buy weights, yoga mats, operating gear, stationary bikes and rather more to construct your personal house gymnasium.
This card does not technically include a bonus rewards class for athletic gear, however any clothes, gear or gear you buy on Amazon.com ought to obtain 5% money again.
To be taught 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 quite a bit to supply the suitable 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 yr, then 1 level per greenback after that), 5 factors per greenback spent on pay as you go resorts via 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 could be focused for a better welcome provide via the CardMatch software; presents are topic to alter at any time, and never everybody shall be focused for a similar welcome provide.
Annual payment: $695 (see charges and costs)
Take into account: Whilst you’ll solely earn 1 level per greenback spent on gymnasium memberships and health golf equipment, Amex Platinum cardmembers can rise up to $300 again every calendar yr in assertion credit for eligible U.S. Equinox memberships or the Equinox+ app. Enrollment is required prematurely, and phrases apply; memberships are topic to auto-renewal.
Whether or not you select to work out at house or in particular person, Equinox members can take pleasure in a reduction on their membership prices due to the Amex Platinum.
To be taught extra, see our full evaluate of the Amex Platinum Card.
Apply right here: Amex Platinum
Different choices
In the event you 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 embody:
These are regular incomes charges on these playing cards — however it does not make them any much less profitable.
Word that you just must also verify for reductions in your playing cards via packages like Amex Presents and Chase Presents. These are restricted and virtually at all times one-time reductions, however can nonetheless present worth.
Lastly, in case you plan on buying train gear and need further time to pay it off, you could need to take a look at a card with 0% introductory APR. Simply you’ll want to repay the whole quantity earlier than the top of that promotional interval. In any other case, you may be hit with large curiosity expenses.
Backside line
You’ll virtually definitely 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 gymnasium memberships or gear. But when different bonus classes on a selected bank card align together with your spending habits, receiving extra factors on your exercises is a superb 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 costs of the Amex Platinum, click on right here.
For charges and costs of the Bilt Mastercard, click on right here.
For rewards and advantages of the Bilt Mastercard, click on right here.
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