Earn factors or money again whereas working up a sweat? Yup, it is doable.
If one among your 2025 resolutions is to strive a brand new at-home exercise program or hit your favourite health studio extra usually, we may also help you maximize your bank card rewards whereas doing so.
Chances are you’ll already know find out how to earn factors on journey, eating and purchases in quite a few different classes. However you may also flip your sweat fairness into helpful rewards whereas figuring out, too.
From CrossFit and calisthenics to body weight workout routines and Bollywood dance routines, the choices are infinite — and with the proper bank card in hand, you can reap monetary advantages, too.
The very best playing cards for gyms, health lessons and tools
Whether or not you already belong to a fitness center, need to strive a brand new spot or are contemplating altering your normal exercise, these playing cards may also help you earn rewards whereas hitting your health targets.
The data 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 fitness center memberships and exercise lessons, we additionally expanded the standards for this listing to incorporate playing cards that earn once you buy health gear and athletic attire, which may generate a minimum of 2 factors per greenback spent (and in some instances, as much as 5 factors per greenback spent).
Evaluating the perfect 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 no excessive annual charge | 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 | Gymnasium memberships | 2 factors per greenback spent on health golf equipment and fitness center memberships |
| Chase Freedom Flex | Gymnasium memberships | 5% money again on rotating bonus classes after activation (as much as $1,500 per quarter); fitness center memberships have been included in previous quarters |
| Bilt Mastercard | Health lessons | 1 level per greenback spent; nonetheless, you’ll be able to 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 | Gymnasium 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 charge will discover quite a lot 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 will additionally earn 10 factors per greenback spent on motels and automobile 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.
Notice 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 charge: $550
Consider: The Sapphire Reserve is one among 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 allow you to earn heaps of factors when shopping for Peloton tools. From our valuations, you will 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
When you’re a fan of Peloton however do not need to pay the Sapphire Reserve’s exorbitant annual charge, strive the Chase Sapphire Most well-liked as an alternative.
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 pieces 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 charge: $95
Consider: 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 resort credit score and average annual charge, 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
When 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 fitness center 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 complete 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 charge: $95
Consider: The World of Hyatt card earns 2 factors per greenback spent on health golf equipment and fitness center memberships — a pleasant return that can be utilized towards a Hyatt redemption.
It’s also possible to earn as much as two free nights per 12 months on Hyatt properties through the use of 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 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
When 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 charge: $0
Consider: The Freedom Flex might be an awesome possibility when its quarterly bonus classes embrace fitness center memberships. Nevertheless, you will solely earn bonus rewards on fitness center 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’ll be able to 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 overview of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Bilt Mastercard
When you hire, you will need to apply for the Bilt Mastercard so you’ll be able to 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 a minimum of 5 occasions every assertion interval to earn factors on all purchases. See Rewards & Advantages for extra.
Welcome bonus: None
Annual charge: No annual charge
Consider: The Bilt Mastercard is the primary and solely card in the marketplace that means that you can pay your hire with no transaction charges (see charges and charges).
Past that, there is a key purpose why this card is included as an awesome possibility for health purchases: You possibly can 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 helpful, as they are often transferred at a 1:1 price to a variety of airline and resort loyalty packages. 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 total 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
When 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, akin 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 accessible 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 charge: $0
Consider: 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 in a position to make use of 5% again on gyms this quarter? Decide 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 vary quarterly and that your 5% bonus earnings are capped at $100 per quarter.
Study extra: U.S. Financial institution Money+ Visa Signature Card
Prime Visa
When you’re an Amazon Prime member, think about 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 Entire 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 charge: None — however you have to be an Amazon Prime member to qualify. Prime subscriptions now price $139 yearly.
Consider: This card affords best-in-class earnings on purchases at Amazon. With such a big number of exercise tools, gear and train attire accessible, we think about it a card that’s worthy of point out. You should buy weights, yoga mats, operating gear, stationary bikes and far more to construct your personal residence fitness center.
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 charge, the Amex Platinum has quite a bit to supply the suitable particular person.
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 inside the first six months of card membership. Chances are you’ll be focused for the next welcome provide by means of the CardMatch software; affords are topic to vary at any time, and never everybody will likely be focused for a similar welcome provide.
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