Earn factors or money again whereas working up a sweat? Yup, it is doable.
If one in every of your 2025 resolutions is to strive a brand new at-home exercise program or hit your favourite health studio extra often, we will help you maximize your bank card rewards whereas doing so.
You could 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 invaluable rewards whereas understanding, too.
From CrossFit and calisthenics to body weight workout routines 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 lessons and tools
Whether or not you already belong to a health club, need to strive a brand new spot or are contemplating altering your standard exercise, these playing cards will help you earn rewards whereas hitting your health objectives.
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 health club memberships and exercise lessons, 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 at the least 2 factors per greenback spent (and in some instances, as much as 5 factors per greenback spent).
Evaluating the most effective playing cards for health purchases
| Card | Greatest for | Incomes price |
|---|---|---|
| Chase Sapphire Reserve | Incomes a lot of factors on tools purchases from Peloton | 10 factors per greenback spent on Peloton tools and accent purchases over $150 (by means of March 2025) — with a restrict of fifty,000 factors |
| Chase Sapphire Most well-liked Card | Incomes factors on tools purchases from Peloton with out a excessive annual price | 5 factors per greenback spent on Peloton tools and accent purchases over $150 (by means of March 2025) — with a restrict of 25,000 factors |
| World of Hyatt Credit score Card | Fitness center memberships | 2 factors per greenback spent on health golf equipment and health club memberships |
| Chase Freedom Flex | Fitness center memberships | 5% money again on rotating bonus classes after activation (as much as $1,500 per quarter); health club memberships have been included in previous quarters |
| Bilt Mastercard | Health lessons | 1 level per greenback spent; nonetheless, you may redeem your factors for among 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 | Fitness center 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 Categorical | 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 price will discover loads 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 means of March 2025) — as much as a most of fifty,000 factors. You may additionally earn 10 factors per greenback spent on motels and automotive leases booked by means of Chase Journey℠, 10 factors per greenback spent on Chase Eating, 10 factors per greenback spent on Lyft rides (by means 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.
Word 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 price: $550
Bear in mind: The Sapphire Reserve is one in every 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 objectives, it could actually provide help to earn heaps of factors when shopping for Peloton tools. From our valuations, you may get roughly a 20% return on spending.
To be taught extra, see our full overview of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Chase Sapphire Most well-liked Card
Should you’re a fan of Peloton however do not need to pay the Sapphire Reserve’s exorbitant annual price, strive the Chase Sapphire Most well-liked as a substitute.
Rewards: Earn 5 factors per greenback spent on journey booked by means of Chase Journey, 5 factors per greenback spent on Peloton tools and accent purchases over $150 (by means of March 2025, with a restrict of 25,000 bonus factors), 5 factors per greenback spent on Lyft purchases (by means 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 means of Chase Journey and 1 level per greenback spent on all the things 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 price: $95
Bear in mind: Just like the Sapphire Reserve, the Sapphire Most well-liked is nice for journey and for incomes factors on Peloton purchases. On high of a $50 annual lodge credit score and average annual price, you can also obtain a roughly 10% return on spending for Peloton purchases, based mostly on our valuations.
To be taught extra, see our full overview of the Chase Sapphire Most well-liked.
Apply right here: Chase Sapphire Most well-liked
World of Hyatt Credit score Card
Should 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 motels, 2 factors per greenback spent at eating places, choose journey and commuting, health golf equipment and health club 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 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 value as much as $1,020.
Annual price: $95
Bear in mind: The World of Hyatt card earns 2 factors per greenback spent on health golf equipment and health club memberships — a pleasant return that can be utilized towards a Hyatt redemption.
You too can earn as much as two free nights per 12 months on Hyatt properties through the use of this card. You may obtain a free night time certificates usable at a Class 1-4 property after your card anniversary and might earn a second free night time at a Class 1-4 property by spending $15,000 on the cardboard in a cardmember 12 months.
To be taught extra, see our full overview of the World of Hyatt card.
Apply right here: World of Hyatt card
Chase Freedom Flex
Should you’re in search of 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 price: $0
Bear in mind: The Freedom Flex could possibly be an awesome choice when its quarterly bonus classes embrace health club memberships. Nevertheless, you will solely earn bonus rewards on health club memberships for that quarter. After that, your incomes price will drop to 1% again.
These bonus rewards may be much more profitable if you happen to 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 may 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 be taught extra, see our full overview of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Bilt Mastercard
Should you hire, you will need to apply for the Bilt Mastercard so you may earn factors on hire (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 hire with no transaction charges on the primary $100,000 spent (as much as 100,000 factors in a calendar 12 months). Use your card at the least 5 occasions every assertion interval to earn factors on all purchases. See Rewards & Advantages for extra.
Welcome bonus: None
Annual price: No annual price
Bear in mind: The Bilt Mastercard is the primary and solely card available on the market that permits you to pay your hire with no transaction charges (see charges and charges).
Past that, there is a key motive why this card is included as an awesome choice for health purchases: You’ll be able to redeem your factors for among the hottest train lessons on the planet, together with SoulCycle, beginning at 3,000 factors a category.
Bilt Rewards factors are fairly invaluable, as they are often transferred at a 1:1 price 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 hire funds, merchandise and extra. See the complete rewards and advantages right here.
To be taught extra, see our full overview of the Bilt Mastercard.
Apply right here: Bilt Mastercard
U.S. Financial institution Money+ Visa Signature Card
Should you’d choose to earn money again, the U.S. Financial institution Money+ card could be the appropriate 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, akin 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 price: $0
Bear in mind: When 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 12 months.
It is value 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
Should you’re an Amazon Prime member, contemplate making use of for the Prime Visa to get essentially the most out of your Amazon purchases.
Rewards: Earn 5% again at Amazon.com and at Entire 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 objects and classes on Amazon.com.
Welcome bonus: Obtain a $150 Amazon present card immediately upon approval for Prime members.
Annual price: None — however you should be an Amazon Prime member to qualify. Prime subscriptions now price $139 yearly.
Bear in mind: This card affords 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, working gear, stationary bikes and rather more to construct your personal dwelling health club.
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 be taught extra, see our full overview of the Prime Visa.
Apply right here: Prime Visa
The Platinum Card from American Categorical
Regardless of its extremely excessive annual price, the Amex Platinum has rather a lot to supply the appropriate individual.
Rewards: Earn 5 factors per greenback spent on flights booked immediately with airways or with American Categorical 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 motels by means of American Categorical Journey and 1 level per greenback spent on all different eligible purchases.
Welcome provide: Earn 80,000 factors after spending $8,000 on purchases throughout the first six months of card membership. You could be focused for a better welcome provide by means of the CardMatch instrument; affords are topic to alter at any time, and never everybody might be focused for a similar welcome provide.
Annual price: $695 (see charges and charges)
Bear in mind: When you’ll solely earn 1 level per greenback spent on health club memberships and health golf equipment, Amex Platinum cardmembers can stand up to $300 again every calendar 12 months 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 dwelling or in individual, Equinox members can take pleasure in a reduction on their membership prices due to the Amex Platinum.
To be taught extra, see our full overview of the Amex Platinum Card.
Apply right here: Amex Platinum
Different choices
Should you do not love any of those choices, you may nonetheless use a card that is a stable choose for on a regular basis spending. A few of these choices embrace:
These are regular incomes charges on these playing cards — but it surely does not make them any much less profitable.
Word that you simply must also test for reductions in your playing cards by means of applications like Amex Gives and Chase Gives. These are restricted and nearly all the time one-time reductions, however can nonetheless present worth.
Lastly, if you happen to plan on buying train tools and need additional time to pay it off, chances are you’ll need to have a look at a card with 0% introductory APR. Simply make sure to repay your entire quantity earlier than the top of that promotional interval. In any other case, you may be hit with huge curiosity fees.
Backside line
You’ll nearly actually not spend sufficient cash in a 12 months to base your selection of a bank card on whether or not you may earn bonus factors with the cash you spend on health club memberships or gear. But when different bonus classes on a selected bank card align along with your spending habits, receiving further factors to 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 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.
