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Maximize rewards on fitness spending

Best Credit Cards for Gym & Fitness (2026)

Between gym memberships ($50-150/month), fitness apps ($10-30/month), and equipment like Peloton ($1,400+), fitness spending adds up fast. The average American household spends $200-400/month on health and fitness — and the right card can earn you $100-240/year back.

The challenge? Fitness doesn't have its own universal bonus category. Gym memberships, fitness apps, and equipment purchases code differently depending on the merchant and card. Some cards let you choose fitness as a category, others treat it as general spending, and a few surprise you with bonus rates on workout-related purchases.

Here are the best cards for gym and fitness spending, ranked by how much you'll actually earn on your workout budget.

Test your monthly fitness spend below or use our full rewards calculator.

Top Cards for Gym & Fitness

#1
US Bank Cash+
Choose-Your-Category
$120/yr
5%
Reward Rate
5% on gym memberships (choose 2 categories)
Annual Fee
$0
Signup Bonus
$200 after $1,000 spend
The only card that lets you choose gym memberships as a 5% category. Pick fitness + streaming each quarter and earn maximum rewards on your workout budget.
#2
BofA Customized Cash Rewards
Choice Category
$72/yr
3% (or 5.25% with BofA relationship)
Reward Rate
3% on online shopping (covers fitness apps & Peloton)
Annual Fee
$0
Signup Bonus
$200 after $1,000 spend
Set your 3% category to "online shopping" to cover Peloton, fitness apps, and online workout subscriptions. BofA Preferred Rewards customers earn up to 5.25%.
#3
Chase Freedom Flex
Rotating
$60/yr
5% (when fitness is a quarterly category)
Reward Rate
5% rotating categories (fitness has appeared), 3% dining
Annual Fee
$0
Signup Bonus
$200 after $500 spend
When fitness or gym memberships show up as a 5% quarterly category, go all in. Other quarters, pair it with a card that offers steady fitness rewards.

How Fitness Purchases Code

Understanding how your fitness spending codes is the key to picking the right card:

  • Gym memberships (Planet Fitness, LA Fitness, Equinox): Usually code as MCC 7997 (Health Clubs) or fall under general merchandise. The US Bank Cash+ specifically includes "gym memberships" as a 5% category.
  • Fitness apps (Peloton, Apple Fitness+, Nike Training Club): Usually code as streaming or online shopping. Cards with streaming bonuses (Amex Blue Cash Preferred at 6%, Freedom Flex at 3%) can earn extra.
  • Peloton equipment: Codes as online/retail purchase, not fitness. Use a card with an online shopping bonus.
  • Personal training: Varies — some code as health clubs, others as professional services. Check your statement.
  • Sports equipment (dumbbells, bands, bench): Usually codes as sporting goods or general merchandise.

Best Strategy: Stack Two Cards

Since no single card covers all fitness categories at a bonus rate, use a two-card strategy:

  1. US Bank Cash+ — Set "gym memberships" as a 5% category for in-person gym dues
  2. BofA Customized Cash Rewards — Set "online shopping" as your 3% category for fitness apps and digital subscriptions

This combo earns 3-5% on nearly all fitness spending with no annual fees.

Fitness App Subscriptions: Which Cards Earn the Most?

Most fitness apps code as streaming or online shopping:

  • Peloton App ($12.99/mo): Codes as streaming → Amex Blue Cash Preferred (6%), Freedom Flex (3%), or Wells Fargo Autograph (3%)
  • Apple Fitness+ ($9.99/mo): Codes as Apple/services → Usually 1% general, sometimes streaming
  • Nike Training Club (Free premium): N/A — no subscription to earn on
  • Fitbit Premium ($9.99/mo): Codes as streaming or digital subscription → Check your statement

Compare Other Categories

Want to compare all categories? Try our full rewards calculator.