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8 Best Credit Cards to Maximize Fitness Spending in 2025
Are you passionate about fitness and looking to maximize rewards on your gym membership, workout equipment, and sporting goods purchases? The right credit card can help you earn substantial cash back, points, or travel rewards while pursuing your fitness goals. We've analyzed dozens of credit cards to bring you the eight best options for fitness-related spending.
The Top 8 Credit Cards for Fitness Enthusiasts
The Platinum Card® from American Express
- Annual Fee: $695
- Key Benefits:
- $300 annual Equinox credit
- Complimentary access to Equinox+ app
- Purchase protection for fitness equipment
- Access to exclusive Amex Offers for fitness retailers
The Amex Platinum stands out through its partnership with Equinox, offering $300 in statement credits annually for eligible U.S. Equinox memberships (enrollment required). This benefit significantly offsets the high annual fee for regular gym-goers.
Chase Sapphire Reserve®
- Annual Fee: $550
- Key Benefits:
- 3x Ultimate Rewards points on fitness club memberships
- Comprehensive purchase protection
- Access to Chase Offers for additional savings
- Premium travel protections
The Chase Sapphire Reserve excels with its broad definition of fitness spending, covering everything from traditional gym memberships to boutique fitness studios.
U.S. Bank Cash+ Visa Signature® Card
- Annual Fee: $0
- Key Benefits:
- 5% cash back on gym memberships (category must be selected)
- Flexible category selection quarterly
- No annual fee
- 0% introductory APR period
This card offers the highest cash-back rate on gym memberships when selected as a bonus category, making it ideal for fitness enthusiasts on a budget.
Bilt Mastercard®
- Annual Fee: $0
- Key Benefits:
- 2x points on fitness memberships
- Points never expire
- Special partnerships with boutique fitness studios
- No annual fee
The Bilt Mastercard has become increasingly popular among fitness enthusiasts for its generous rewards on gym spending and fitness class bookings.
Chase Freedom Unlimited®
- Annual Fee: $0
- Key Benefits:
- 1.5% cash back on all fitness purchases
- Additional Chase Offers for sporting goods stores
- 0% introductory APR period
- No annual fee
While not specifically designed for fitness spending, the Freedom Unlimited offers consistent rewards on all purchases, including fitness-related expenses.
World of Hyatt Credit Card
- Annual Fee: $95
- Key Benefits:
- 2x points at fitness clubs and gym memberships
- Complimentary elite night credits
- Access to Hyatt's fitness facilities worldwide
- Strong welcome bonus
Perfect for Hyatt loyalists who frequently use hotel fitness facilities and want to earn points on their regular gym membership.
Capital One Venture Rewards Credit Card
- Annual Fee: $95
- Key Benefits:
- 2x miles on all fitness purchases
- Flexible redemption options
- Purchase protection for fitness equipment
- Strong welcome bonus
The Venture card's straightforward rewards structure makes it an excellent choice for those who want to earn travel rewards on their fitness spending.
Citi Double Cash® Card
- Annual Fee: $0
- Key Benefits:
- 2% on all purchases (1% when you buy, 1% when you pay)
- No category restrictions
- No annual fee
- Flexible redemption options
Maximizing Your Fitness Spending Rewards
To get the most value from your fitness-related purchases:
- Stack credit card rewards with shopping portal bonuses
- Time large fitness equipment purchases with welcome bonus spending requirements
- Look for Amex Offers and Chase Offers related to fitness retailers
- Consider combining multiple cards for different types of fitness spending
Consider Using Kudos to Optimize Your Rewards
While these credit cards offer excellent rewards for fitness spending, managing multiple cards can be challenging. That's where Kudos comes in – a free AI-powered browser extension that automatically recommends the best credit card to use for each purchase, ensuring you always maximize your rewards.
If you're looking to get more out of your credit cards, Kudos is the best free shopping app to use when you shop online. And, they're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Expert Takeaway
The best credit card for fitness spending depends on your specific needs and spending patterns. The Amex Platinum is ideal for Equinox members, while the U.S. Bank Cash+ offers the highest cash-back rate for general gym memberships. For simplified rewards, consider the Citi Double Cash or Chase Freedom Unlimited.
Frequently Asked Questions
Can I earn rewards on digital fitness subscriptions?
Yes, most credit cards that reward fitness spending include digital fitness subscriptions and apps in their reward categories.
Do gym memberships count as travel expenses on travel credit cards?
Generally no, but some premium travel cards like the Chase Sapphire Reserve may categorize certain fitness expenses as travel when charged at hotels or resorts.
What purchases typically qualify as fitness spending?
Qualifying purchases usually include gym memberships, fitness equipment, sporting goods stores, and digital fitness subscriptions. Specific categories vary by card.
Are there any credit cards that offer gym membership discounts?
Yes, several cards offer discounts through their benefits programs. The Amex Platinum offers the most substantial gym benefit with its $300 annual Equinox credit.
How can I maximize rewards on expensive fitness equipment purchases?
Consider timing large fitness equipment purchases with new card welcome bonuses, and stack rewards with shopping portal bonuses and card-linked offers.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
