Best Credit Cards for Fitness Spending [2025]

I've never been a big fan of exercise, but my husband is — to the point where we have a small home gym in our basement. Since my husband likes to spend money on improving his health, we decided we want a card that offers elevated rewards earning for fitness spending.

There are plenty of options out there for earning a base reward rate on general spending — fitness included — but there's a much smaller selection of cards that offer benefits and earn rates targeted at fitness enthusiasts specifically. In looking for a card that fits our specific needs, we found several that offer elevated earn rates on fitness expenses and statement credits for exercise equipment and classes alike.

Best credit cards for fitness spending

Card	Excellent for…	Annual fee	Fitness perks
Chase Sapphire Preferred® Card(Rates and fees)	Peloton fans	$95	5x points on Peloton equipment and accessories through Dec. 31, 2027
The Platinum Card® from American Express	Equinox users	$695	$300 in statement credits per year on a digital subscription or club membership at Equinox (Select benefits require enrollment)
Chase Sapphire Reserve®(Rates and fees)	Peloton fans who are bigger spenders	$795	Up to $120 in Peloton credits annually (activation required) 10X points on eligible Peloton equipment and accessories
The World of Hyatt Credit Card	Hyatt users who love the gym	$95	2X points on gym membership
Wells Fargo Attune® Card	Self-care advocates	$0	4% on self-care, sports, recreation, and entertainment, and planet-friendly purchases

Chase Sapphire Preferred

Chase credit cards are well-known for their travel perks, and this one is no exception. However, beyond the 5X bonus points you get on travel purchased through Chase Travel℠ and the 3X points on dining, select streaming services, and online groceries, this card offers something special for Peloton members.

When you add the Chase Sapphire Preferred to your wallet, you earn 5X the points on eligible Peloton equipment and accessory purchases of $150 or more. The bonus rewards are available through December 31, 2027, giving you plenty of time to indulge your Peloton habit.

You'll also enjoy a variety of different trip insurance options, including trip cancellation, trip interruption insurance, and a complimentary DashPass membership good for one year, which scores you a $0 delivery fee and reduced service fees.

Just be sure to DoorDash something healthy once in a while so you don't undo all the progress you made on your Peloton.

Apply now | Learn more in our Chase Sapphire Preferred review

The Platinum Card from American Express

The Platinum Card from American Express has an eye-popping annual fee, but don't get scared away. While you'll pay $695 for the card, you get more than enough statement credits and other perks to make up for it, including a $300 annual credit for an Equinox digital subscription or club membership.

Other benefits and perks of the card include up to $200 in annual airline fee statement credits, access to the Global Lounge Collection, up to $200 in hotel statement credits, up to $199 in CLEAR Plus statement credits, $200 in Uber Cash, up to $100 in statement credits at Saks, up to $155 in Walmart+ statement credits, and up to $240 Digital Entertainment statement credit.

These credits alone add up to more than the cost of the annual fee, but you also get other perks from the card, including travel insurance benefits, participation in the Fine Hotels & Resorts program, and elite status with partner hotels.

Beyond the credits, you could also enjoy the opportunity to earn bonus rewards, including 5X on flights booked directly with airlines or with American Express Travel® (on up to $500,000 per calendar year, after that 1X) and prepaid hotels booked with American Express Travel®. Unfortunately, this means you don't get bonus points on many areas of spending outside of travel. Some competitors, meanwhile, also offer added bonuses on other spending categories like dining.

Learn how to apply | Learn more in our The Platinum Card from American Express review

Chase Sapphire Reserve

If you are a Peloton user who is also a big spender, the Chase Sapphire Reserve card is for you. The $795 annual fee the card charges is one of the heftiest out there, but the card offers a range of statement credits to justify that cost as well as a generous rewards program. If you're a big spender who takes advantage of these perks, paying the fee is well worth it.

Most of the statement credits are focused on travel, including $300 in statement credits for any travel purchases you make each year and a $500 credit for stays at The Edit (Chase's chosen hotels and resorts). Complimentary Priority Pass Select and IHG® One Rewards Platinum Elite Status all add value as well.

There are credits for lifestyle spending, too, including the Peloton credit as well as credits for dining at Sapphire Reserve Exclusive Tables, buying tickets at StubHub, and using DoorDash. Unfortunately, you have to activate the 10X Peloton rewards, or you won't be able to take advantage of them, which frankly is a lot of hassle.

As for rewards spending, you'll earn 8X on purchases through Chase Travel℠ and 4X on flights and hotels booked direct as well as 3X on dining.

Apply now  | Learn more in our Chase Sapphire Reserve review

World of Hyatt Credit Card

The World of Hyatt Credit card offers fitness lovers the chance to earn 2X on restaurants, airline tickets purchased directly from the airlines, local transit and commuting and on fitness club and gym memberships.

The card charges a pretty affordable $95 annual fee, and it comes with plenty of special perks for Hyatt travelers, including the ability to earn free nights at Hyatt hotels or resorts based on your spending levels.

You also earn up to 9X on Hyatt hotels (4 bonus points per $1 on qualified purchases at Hyatt hotels plus up to 5 base points per $1 from Hyatt as a World of Hyatt member). Unfortunately, you earn just 1X on all other purchases.

Learn more in our World of Hyatt Credit Card review.

Wells Fargo Attune

The Wells Fargo Attune is one of the best cash back cards out there for self-care enthusiasts as you earn unlimited 4% cash back on self-care, sports, recreation, and entertainment, and planet-friendly purchases

The Attune also offers some other unique features and perks, including $600 in cell phone protection against damage, theft, and unintended separation. And unlike other cards on our list, it has a 0% intro APR on purchases for 12 months (then 19.24%, 24.24%, or 29.24% (variable)), so this is the card for you if you need to pay for something over time without accruing interest.

Some travel benefits also round out the benefits, including auto rental collision damage waiver and a concierge service to help you book travel. While you don't get the airline lounge access that some other cards provide, you trade luxury perks for having a $0 annual fee.

Learn more in our Wells Fargo Attune review.

FAQs

Cards that didn't make our list

While cards that offer bonus rewards on fitness purchases can be ideal if you tend to spend a lot in this area, there are also some great options out there that offer generous rewards and perks on all types of spending rather than focusing on a particular category. These can be great options if you want a little more flexibility.

Citi Double Cash^® Card

The Citi Double Cash is a great card if you like to keep things simple; cardholders get up to 2% on all purchases (1% when you buy and 1% when you pay). You'll earn that rate on fitness-related expenses but also everything else you buy, so you don't need to worry about remembering which card to use where.

Beyond the rewards, you'll also enjoy a 0% APR on balance transfersfor 18 months (then 18.24% - 28.24% (Variable)), and you won't have to worry about an annual fee.

Discover it^® Cash Back

The Discover It Cash Back card comes with a $0 annual fee and the chance to earn 5% on cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.

There is a cap, and you do have to activate the bonus cash back, but that's a generous earn rate. Plus the card comes with other perks, including no late fees on your first missed payment and Discover will match all the cash back you’ve earned at the end of your first year.

Bottom line

If a focus on health is important to you, the cards on this list can be a great choice. Just remember to look at the big picture in terms of annual fees, statement credits for other spending, and rewards programs. There are plenty of great cards out there, and with a little research comparing card offers, you'll find the best credit card for you.

Great for Flexible Travel Rewards

Chase Sapphire Preferred^® Card

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Chase Sapphire Preferred^® Card

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Rates and fees

Current Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Annual Fee

$95

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

Benefits and Drawbacks

Benefits

• Generous welcome offer valued at up to $1,125 when redeemed via Chase Travel℠
• High rewards on dining and bookings via Chase Travel
• Up to 1.5x more value when redeeming points for travel through Chase Travel
• Up to $50 in statement credits each account anniversary year for hotel stays booked through Chase Travel
• Receive valuable travel protections like trip delay reimbursement and primary rental car insurance

Drawbacks

• Has a $95 annual fee
• Doesn’t offer airport lounge access or premium travel perks like Global Entry or TSA PreCheck credit
• Doesn't offer bonus points on gas or in-person groceries purchases

Card Details

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC