Best Credit Card for Gym & Fitness
Compare the top credit cards for gyms, fitness clubs, and workout studios and find which one earns the most rewards.
Gym memberships, fitness studios, and sports club fees earn bonus rates on a small but growing number of cards. Some premium cards include fitness credits that cover up to $120–$300 per year in gym-related expenses.
Top Pick
More Good Options
World of HyattWorld Of Hyatt Business Credit Card2xpts/dollar3.4%return2x on fitness club and gym memberships
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Upgrade Cash RewardsUpgrade Triple Cash Rewards Visa3xpts/dollar3.0%return3x on Health
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Target CircleTarget Circle Credit Card5xpts/dollar5.0%return5x base rate (no bonus for Gym & Fitness)
Bilt RewardsBilt Palladium Card2xpts/dollar4.0%return2x base rate (no bonus for Gym & Fitness)
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Rewards Calculator
Enter a monthly spend amount above to see estimated annual rewards per card.
Common Questions
What is the best credit card for Gym & Fitness?
The Wells Fargo Attune is currently the top pick for gyms, fitness clubs, and workout studios, earning 4x points per dollar — an effective 4.0% return.
How many points do you earn on Gym & Fitness purchases?
The top-rated card for gyms, fitness clubs, and workout studios, the Wells Fargo Attune, earns 4x per dollar — an effective return of 4.0%.
Is there a no-annual-fee card that earns rewards on Gym & Fitness?
Yes — the Wells Fargo Attune earns 4x on gyms, fitness clubs, and workout studios with no annual fee (4.0% effective return).
Is a premium card worth the annual fee for Gym & Fitness spending?
The Bilt Palladium Card ($495/yr) earns 2x on gyms, fitness clubs, and workout studios. If you spend $1,031/month or more on gym & fitness, the rewards offset the annual fee — before counting travel credits and other perks.
Which card earns the most if I spend $500 per month on Gym & Fitness?
Wells Fargo Attune: $240/yr, World Of Hyatt Business Credit Card: $204/yr, Upgrade Triple Cash Rewards Visa: $180/yr. The Wells Fargo Attune earns the most at $500/month.
Do rotating category cards earn on Gym & Fitness?
Some cards — like Chase Freedom Flex and Discover it — occasionally feature gym & fitness as a 5% bonus category for one quarter per year. Year-round, a dedicated gym & fitness card typically outperforms rotating category cards since you can't always count on the bonus.