Greatest bank cards for health spending

Earn factors or money again whereas working up a sweat? Yup, it is doable.

If one in all your 2025 resolutions is to attempt a brand new at-home exercise program or hit your favourite health studio extra usually, we will help you maximize your bank card rewards whereas doing so.

You could already know earn factors on journey, eating and purchases in quite a few different classes. However you can even flip your sweat fairness into invaluable rewards whereas figuring out, too.

From CrossFit and calisthenics to body weight workouts and Bollywood dance routines, the choices are countless — and with the proper bank card in hand, you can reap monetary advantages, too.

One of the best playing cards for gyms, health courses and tools

Whether or not you already belong to a gymnasium, wish to attempt a brand new spot or are contemplating altering your typical exercise, these playing cards will help you earn rewards whereas hitting your health objectives.

The knowledge 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 supplied by the cardboard issuer.

Past gymnasium memberships and exercise courses, we additionally expanded the standards for this record to incorporate playing cards that earn while you buy health gear and athletic attire, which may generate no less than 2 factors per greenback spent (and in some instances, as much as 5 factors per greenback spent).

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 may additionally earn 10 factors per greenback spent on lodges 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.

Be aware that you simply 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

Take note: The Sapphire Reserve is one in all 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 objectives, it will possibly enable you to earn heaps of factors when shopping for Peloton tools. From our valuations, you may get roughly a 20% return on spending.

To study extra, see our full assessment of the Chase Sapphire Reserve.

Apply right here: Chase Sapphire Reserve

Chase Sapphire Most well-liked Card

In case you’re a fan of Peloton however do not wish to pay the Sapphire Reserve’s exorbitant annual charge, attempt 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 providers 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 every part 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

Take note: Just like the Sapphire Reserve, the Sapphire Most well-liked is nice for journey and for incomes factors on Peloton purchases. On high of a $50 annual lodge credit score and average annual charge, you can also obtain a roughly 10% return on spending for Peloton purchases, primarily based on our valuations.

To study extra, see our full assessment of the Chase Sapphire Most well-liked.

Apply right here: Chase Sapphire Most well-liked

World of Hyatt Credit score Card

In case 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 lodges, 2 factors per greenback spent at eating places, choose journey and commuting, health golf equipment and gymnasium 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 an extra 30,000 bonus factors by incomes 2 bonus factors whole 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

Take note: The World of Hyatt card earns 2 factors per greenback spent on health golf equipment and gymnasium memberships — a pleasant return that can be utilized towards a Hyatt redemption.

You too can earn as much as two free nights per yr on Hyatt properties through the use of this card. You may obtain a free evening certificates usable at a Class 1-4 property after your card anniversary and might earn a second free evening at a Class 1-4 property by spending $15,000 on the cardboard in a cardmember yr.

To study extra, see our full assessment of the World of Hyatt card.

Apply right here: World of Hyatt card

Chase Freedom Flex

In case you’re on the lookout for 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 providers) 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

Take note: The Freedom Flex could possibly be an excellent possibility when its quarterly bonus classes embrace gymnasium memberships. Nevertheless, you will solely earn bonus rewards on gymnasium memberships for that quarter. After that, your incomes fee will drop to 1% again.

These bonus rewards may 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 may 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 study extra, see our full assessment of the Chase Freedom Flex.

Apply right here: Chase Freedom Flex

Bilt Mastercard

In case you hire, you will wish to apply for the Bilt Mastercard so you may earn factors on hire (as much as 100,000 factors per yr).

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 yr). Use your card no less than 5 occasions every assertion interval to earn factors on all purchases. See Rewards & Advantages for extra.

Welcome bonus: None

Annual charge: No annual charge

Take note: 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 excellent possibility for health purchases: You’ll be able to redeem your factors for a number of the hottest train courses on the earth, together with SoulCycle, beginning at 3,000 factors a category.

Bilt Rewards factors are fairly invaluable, as they are often transferred at a 1:1 fee to a variety of airline and lodge 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 complete rewards and advantages right here.

To study extra, see our full assessment of the Bilt Mastercard.

Apply right here: Bilt Mastercard

U.S. Financial institution Money+ Visa Signature Card

In case you’d want to earn money again, the U.S. Financial institution Money+ card could be the best 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, comparable 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 out there 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

Take note: When 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 capable of make use of 5% again on gyms this quarter? Decide one thing else — together with TV, web and streaming providers — and save gyms for later this yr.

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

In case you’re an Amazon Prime member, think about making use of for the Prime Visa to get essentially 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 choice 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 value $139 yearly.

Take note: This card gives best-in-class earnings on purchases at Amazon. With such a big choice of exercise tools, gear and train attire out there, we think about it a card that’s worthy of point out. You should purchase weights, yoga mats, working gear, stationary bikes and far more to construct your individual house gymnasium.

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 study extra, see our full assessment of the Prime Visa.

Apply right here: Prime Visa

The Platinum Card from American Specific

Regardless of its extremely excessive annual charge, the Amex Platinum has so much to supply the best individual.

Rewards: Earn 5 factors per greenback spent on flights booked instantly with airways or with American Specific Journey (on as much as $500,000 on these purchases per calendar yr, then 1 level per greenback after that), 5 factors per greenback spent on pay as you go lodges by means of American Specific 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. You could be focused for a better welcome provide by means of the CardMatch software; gives are topic to vary at any time, and never everybody shall be focused for a similar welcome provide.

Annual charge: $695 (see charges and charges)

Take note: When you’ll solely earn 1 level per greenback spent on gymnasium memberships and health golf equipment, Amex Platinum cardmembers can rise up to $300 again every calendar yr in assertion credit for eligible U.S. Equinox memberships or the Equinox+ app. Enrollment is required prematurely, and phrases apply; memberships are topic to auto-renewal.

Whether or not you select to work out at house or in individual, Equinox members can take pleasure in a reduction on their membership prices because of the Amex Platinum.

To study extra, see our full assessment of the Amex Platinum Card.

Apply right here: Amex Platinum

In case you do not love any of those choices, you may nonetheless use a card that is a stable decide for on a regular basis spending. A few of these choices embrace:

These are regular incomes charges on these playing cards — however it does not make them any much less profitable.

Be aware that you simply also needs to examine for reductions in your playing cards by means of packages like Amex Provides and Chase Provides. These are restricted and nearly all the time one-time reductions, however can nonetheless present worth.

Lastly, in case you plan on buying train tools and wish further time to pay it off, it’s possible you’ll wish to take a look at a card with 0% introductory APR. Simply remember to repay your entire quantity earlier than the top of that promotional interval. In any other case, you possibly can be hit with large curiosity prices.

Apply right here: Chase Sapphire Reserve
Apply right here: Chase Sapphire Most well-liked Card
Apply right here: World of Hyatt Credit score Card
Apply right here: Chase Freedom Flex
Apply right here: Bilt Mastercard
Apply right here: Amex Platinum

For charges and charges of the Amex Platinum, click on right here.
For charges and charges of the Bilt Mastercard, click on right here.
For rewards and advantages of the Bilt Mastercard, click on right here.