The Best Credit Card With Fitness Perks of 2023

Are you an avid fitness enthusiast looking to get rewarded for your hard work and dedication to staying fit? What if we told you that you could earn rewards, discounts, and even cash back for your gym memberships and fitness-related purchases? Sounds intriguing, right?

Credit card fitness perksWell, hold tight to your resistance bands and yoga mats, because we’re about to introduce you to the best credit card fitness perks for gym memberships and fitness-related purchases, helping you turn your sweat sessions into valuable rewards!

Key Takeaways

  • Maximize your fitness journey with the Paceline Credit Card, World of Hyatt Credit Card and U.S. Bank Cash+ Visa Signature Card for exclusive benefits & rewards tailored to your active lifestyle.
  • Unlock the power of your credit card by taking advantage of bonus categories, combining rewards programs & utilizing statement credits, save money on gym memberships and more.
  • Get amazing discounts, free classes & health rewards from select cards, take your fitness journey to the next level today.


Top Credit Cards for Fitness Enthusiasts

Fitness enthusiasts, we’ve found the top three credit cards designed for your active lifestyle: the Paceline Credit Card, the World of Hyatt Credit Card, and the U.S. Bank Cash+ Visa Signature Card. These cards offer a variety of exclusive benefits tailored to your needs.

Each of these cards offers fantastic rewards and perks for gym memberships and fitness-related purchases, ensuring you get the most value for every step, rep, and pose you take!

Paceline Credit Card

Pacelince Credit CardSay hello to the Paceline Credit Card, the perfect ally for your fitness journey. This card rewards users for weekly elevated heart-rate activity and provides cashback on health and wellness purchases, making it an excellent choice for those looking to stay active and save money simultaneously. PaceLine is relaunching their wellness cashback credit card with enhanced benefits and richer rewards.

Imagine earning rewards for achieving your fitness goals. That’s precisely the benefit the Paceline Credit Card offers with its excellent cash back program. You get:

  • The card’s cash-back rate doubles to 5% if you exercise for at least 150 minutes per week
  • 2.5% back on purchases related to health and wellness such as grocery stores, drug stores, gym memberships, workout classes, sporting goods, and fitness equipment
  • Cash back when you shop at select merchants that sell health and fitness products athletic apparel
  • Paceline works with specific devices, like an Apple Watch, Fitbit or Garmin watch to log your heartrate

Achieve a Paceline Streak each week by completing 150 minutes of heart-elevating activity, and you’ll double your earnings to 5% on health and wellness purchases. Now that’s a reward worth breaking a sweat for!

World of Hyatt Credit Card

World Hyatt Credit CardIf you’re looking for a credit card that rewards your fitness commitment and also provides travel perks, the World of Hyatt Credit Card fits the bill. This card provides 2x points on gym or health club memberships, allowing you to earn rewards faster while staying fit. Not only do you benefit from these fitness rewards, but you also gain access to exclusive travel perks and bonuses that come with being a World of Hyatt member.

One of the exciting benefits of the World of Hyatt Credit Card is the potential to earn a whopping 85,000 Bonus Points when you spend $4,000 in purchases within your first three months from your account opening. Plus, with the World of Hyatt points valued at 1.5 cents each, you’re looking at some serious value for your fitness and travel endeavors!

U.S. Bank Cash+ Visa Signature Card

U.S. Bank Cash+ Visa Signature CardMeet your ultimate fitness partner, the U.S. Bank Cash+ Visa Signature Card. This option offers a host of exclusive benefits, including a generous 5% cashback on gym memberships and sporting goods, alongside rotating bonus categories every quarter. This card offers an incredible opportunity to reap the rewards of your fitness journey, as you stay on track with your wellness goals.

With the U.S. Bank Cash+ Visa Signature Card, you can earn up to $100 per quarter on your gym membership and sporting goods purchases. Plus, with the flexibility to switch up your bonus categories every quarter, you have the power to customize your rewards strategy and maximize your earnings on fitness-related expenses. Who wouldn’t want to be rewarded for staying fit and healthy?


Maximizing Fitness Rewards with Your Credit Card

Having introduced the top credit cards for fitness enthusiasts, let’s explore how to amplify these fitness rewards. By capitalizing on rotating bonus categories, merging rewards programs, and leveraging statement credits, you can extract maximum value from your fitness-centric credit card.

Eager to convert your fitness expenditure into valuable rewards? Let’s delve into each strategy to understand how to optimize your fitness rewards with your selected credit card.

Rotating Bonus Categories

Rotating bonus categories on credit cards provide you with incredible opportunities to earn higher cashback or points for various expenses during specific periods. Some examples of bonus categories include:

  • Dining
  • Groceries
  • Gas stations
  • Travel
  • Online shopping

By keeping an eye on the card’s terms and conditions, you can identify which categories are eligible for bonus rewards and strategically use your card for other eligible purchases in those categories to maximize your earnings.

Keep abreast of the rotating bonus categories and witness your fitness rewards multiply!

Combining Rewards Programs

Another great strategy to maximize your fitness rewards is to combine rewards programs from multiple credit cards. The Chase Freedom Flex card enables cash-back rewards to be converted into Chase Ultimate Rewards points. To do this, simply combine it with one of Chase’s Ultimate Rewards credit cards, such as the Chase Sapphire Preferred Card, the Chase Sapphire Reserve, or the Ink Business Preferred Credit Card.

By astutely merging rewards programs, you can enhance the value of your fitness-related rewards and experience significant savings on your fitness expenditures.

Using Statement Credits

Lastly, using statement credits for fitness-related purchases can help offset the annual fee and other costs, such as the intro balance transfer fee, associated with credit cards. Statement credits are money credited to your credit card account, allowing you to save money or earn rewards on your fitness expenses.

By judiciously using statement credits for your fitness-related purchases, you can boost your savings and fully utilize your credit card’s rewards program.


Best Business Credit Cards for Gym Memberships and Fitness

kayla itsinesFor those in the business world who are also fitness enthusiasts, we have suitable options for you too! The Paceline Credit Card, Ink Business Unlimited Credit Card, and World of Hyatt Business Credit Card are ideal for entrepreneurs and small business owners keen on maximizing rewards and perks associated with gym memberships and fitness-related expenses.

Let’s examine each of these business credit cards and their fitness-oriented benefits in more detail.

Paceline Credit Card

The Paceline Credit Card isn’t just for individuals; it’s also a fantastic option for businesses looking to reward employees for their fitness efforts. Just like the personal version, the Paceline Credit Card for businesses rewards users for weekly elevated heart-rate activity and offers cashback on health and wellness purchases. This innovative card helps promote a healthy work culture and encourages employees to stay active while saving money on fitness-related expenses.

With the Paceline Credit Card for businesses, you can create a win-win situation for both you and your employees, fostering a healthy and motivated workforce. The cashback rewards and fitness incentives provided by this card make it an excellent choice for businesses looking to invest in their employees’ well-being.

Ink Business Unlimited Credit Card

The Ink Business Unlimited Credit Card is another great choice for businesses seeking rewards on gym memberships and fitness-related purchases. This credit card provides a straightforward 1.5% cashback on all business purchases, including gym memberships. Additionally, this card offers valuable benefits such as purchase protection and extended warranty protection, giving you extra peace of mind with your fitness investments.

Boosting your business’s purchasing power while supporting a healthy lifestyle becomes effortless with the Ink Business Unlimited Credit Card. With unlimited cashback rewards on gym memberships and other fitness expenses, you can keep your team motivated and fit without breaking the bank.

World of Hyatt Business Credit Card

Last but not least, the World of Hyatt Business Credit Card is an excellent option for businesses looking to reward their employees’ fitness efforts while also providing travel perks. With this card, you can earn 2x points per $1 spent on gym memberships and enjoy the benefits of Discoverist elite status in the World of Hyatt loyalty program.

The World of Hyatt Business Credit Card offers a perfect balance of fitness rewards and travel perks, making it an ideal choice for businesses that value employee well-being and love to reward their hard-working team with exclusive travel benefits. Additionally, the Venture Rewards Credit Card is another option to consider for those seeking further rewards and benefits.


Additional Fitness Perks from Credit Cards

While the rewards and perks we’ve discussed so far are already impressive, some credit cards offer even more fitness-related benefits. These additional perks include athletic apparel discounts, free workout classes, and health and wellness rewards that can help you further enhance your fitness journey.

Let’s delve further into these additional fitness perks.

Athletic Apparel Discounts

Some credit cards, like The Platinum Card® from American Express, offer discounts on athletic apparel purchases, allowing you to save money on your fitness gear.

Leveraging these discounts allows you to enhance your workout wardrobe without straining your wallet, making your fitness journey even more enjoyable!

Credit Used Towards Purchase of Apple Watch

Did you know you can work your way toward a reimbursement on an Apple Watch purchase with certain credit cards like Paceline. In just 12 months, you can earn almost $500, in weekly statement credits, if you achieve your Paceline Streak fitness goals each week.

The Apple Watch can help you achieve your fitness goals and with Paceline, motivate you to stay active and reach your fitness goals.

Utilizing these types of rewards enables you to add variety to your fitness routine and uncover novel methods to maintain an active and healthy lifestyle.

Health and Wellness Rewards

Health and wellness rewards, such as statement credits for gym memberships or fitness equipment, are another fantastic perk offered by some credit cards to encourage users to maintain a healthy lifestyle. Capitalizing on these rewards allows you to balance the costs of your fitness expenses and extract even more value from your credit card.

So, go ahead and treat yourself to that new treadmill or set of dumbbells – your credit card has got your back!



In summary, the Paceline Credit Card, the World of Hyatt Credit Card, and U.S. Bank Cash++. Visa Signatures. Card are the top credit cards for gym memberships and fitness-related purchases. Each card offers unique rewards and perks tailored to fitness enthusiasts, ensuring you get the most value for every calorie burned and muscle toned.

So, what are you waiting for? Embrace the power of fitness rewards and turn your passion for staying fit into valuable perks and savings. With the right credit card in your wallet, you’ll be more motivated than ever to hit the gym and crush your fitness goals!


Frequently Asked Questions

What card should I put my gym membership on?

Put your gym membership on the U.S. Bank Cash+® Visa Signature®. Card for up to 5% cash back at gyms and fitness centers.

Additionally, consider the Prime Visa for 5% cash back on Amazon purchases, or the Target RedCardTM for a 5% discount at Target.

Can I use a credit card to pay for my gym membership?

Yes, you can definitely use your credit card to pay for your gym membership!

Many gym members use their cards for automatic monthly payments and rewards points.

What is a major perk to most credit cards?

With a credit card, you can earn rewards points for every dollar you spend, which can be redeemed for merchandise, gift cards, cash or travel.

Additionally, you can often gain extra points by meeting certain spending thresholds or spending in certain categories.

Is the Paceline card a credit card?

Yes, the Paceline card is a credit card as it is a first-of-its-kind Visa Signature Credit Card designed for consumers who wish to earn money back.

It also provides earning rates when users hit their weekly activity goal.

How can I maximize my fitness rewards with credit cards?

Maximize your fitness rewards by taking advantage of rotating bonus categories, combining rewards programs and utilizing statement credits to get the most out of your credit card.

Take advantage of rotating bonus categories to maximize your fitness rewards. Combining rewards programs can help you get the most out of your credit card. Utilize statement credits to get the most out of your credit card.


Avatar for The SportsMD Editors
The SportsMD Editors

SportsMD is creating the industries most trusted sports medicine content. To ensure the RunnersMD website provide accurate and comprehensive content, we work with carefully selected authors who have subject area expertise. All of our articles are written by health professionals and peer-reviewed. Content is reviewed and updated regularly to maintain accuracy and reflect the latest research.