Best Credit Cards for Gym Memberships

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Last updated on September 19th, 2023

Getting into shape is no easy task, but earning rewards and saving money on your fitness expenses can help keep the motivation rolling. Whatever your take on fitness entails – gym memberships, workout gear, or exercise equipment – there is a credit card that can help benefit your pockets on your wellness transactions. Here are the most beneficial credit cards for memberships in 2023.

At A Glance

Top Credit Cards for Gym Memberships 2023

Saving money by picking the right credit card can go a long way in motivating the average gym attendee. Here are BestCards.com’s top picks for the best credit cards for fitness equipment and gym memberships in 2023.

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card
Excellent
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent
Visa Processing Network
None Annual Fee

U.S. Bank Cash+® Visa Signature® Card

  • 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 15 months from account opening Intro Purchase APR

At a Glance

The U.S. Bank Cash + Visa Signature Card is an excellent cash back credit card that gives holders the power to decide how they earn their cash back. The card earns 5% back on two select categories you choose, 2% back on one “everyday” category a user selects, and 1% back on all other purchases.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • No Annual Fee
  • Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan
  • Terms and conditions apply
  • Intro Purchase APR: 0% for 15 months from account opening
  • Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You want the ability to choose your enhanced cash back categories
  • You like the freedom of switching categories each quarter
  • You don’t want to pay an annual fee
U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

Terms & Conditions

Best For Prime Credit Scores

The U.S. Bank Cash+™ Visa Signature® Card earns 5% cash back on the first $2,000 in eligible purchases per quarter on the two categories of the holder’s choosing. Those 5% back categories include ground transportation, select clothing stores, electronics stores, department stores, and more.

U.S. Bank also offers gyms and fitness centers as a 5% cash back category, with cardholders saving at select fitness centers, including:

24 Hour Fitness® Anytime Fitness® Crunch Fitness Equinox
Genesis Health Clubs LA Fitness® Life Time Fitness Orangetheory® Fitness
Planet Fitness Pure Barre® Snap Fitness™ SoulCycle
Weight Watchers XSport® Fitness ZUMBA® Fitness And more

However, keep in mind that purchases at recreational facilities that don’t require membership, like driving ranges, batting cages, and ski slopes, do not qualify for 5% back. Also, purchases made at fitness centers outside of membership fees, like personal training or fitness classes, might not be eligible. However, the U.S. Bank Cash+® does earn 1% cash back on all other eligible purchases which can easily reward you for all other fitness-related purchases.

World of Hyatt Credit Card

World of Hyatt Credit Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
$95 Annual Fee

World of Hyatt Credit Card

  • 21.49% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 21.49% to 28.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

Ideal for Hyatt loyalists, The World of Hyatt Credit Card is a hotel card that can rack up points in a hurry, culminating in multiple free night stays per year at the brand’s suite of locations.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening
  • Plus, earn up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
  • Earn 4X Bonus Points per $1 spent on purchases at all Hyatt hotel, plus 5X Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member
  • Earn 2X Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships
  • Plus, earn 1X Bonus Point per $1 spent on all other purchases
  • Receive one free night at any Category 1–4 Hyatt hotel or resort every year after your cardmember anniversary
  • Also receive one extra free night at any Category 1–4 Hyatt hotel or resort if you spend $15,000 in a calendar yea
  • No foreign transaction fees
  • Regular Purchase APR: 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% variable based on the Prime Rate
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You're a World of Hyatt member or frequently book hotel stays at Hyatt hotels
  • You're looking for a travel credit card you can use worldwide without paying foreign transaction fees
  • You regularly dine out or have a fitness club/gym membership
  • You're looking for a credit card with a big signup bonus and generous rewards earning rates

Best For Earning Hotel Points

It only makes sense that a hotel rewards credit card will earn you points for your gym membership in case you want to get a workout in while you travel. The World of Hyatt Credit Card is one of the few that will earn you bonus points at the gym. Cardholders earn 2X Bonus Points per $1 spent at fitness clubs and gym memberships. If you’re a frequent visitor of Hyatt hotels on your travels, the World of Hyatt card may be the right option for your accommodation needs.

In addition to its earning power at the gym, the Hyatt credit card earns up to 5X Points on things like Hyatt Hotel bookings, airline tickets, dining, and more. Not to mention cardmembers will also receive an annual free 1-night stay and no foreign transactions. However, this card does have an annual fee of $95. If you plan on using the free, yearly 1-night hotel stay, then the Word of Hyatt Credit Card, could be worth it.

Synchrony Premier World Mastercard®

Synchrony Premier World Mastercard®
Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good
Mastercard Processing Network
None Annual Fee

Synchrony Premier World Mastercard®

  • 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% Cash Advance APR

At a Glance

The Synchrony Premier World Mastercard® offers 2% cash back, a simple redemption process, and more – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 2% cash back rewards on every purchase
  • Contactless payment compatibility
  • Regular Purchase APR: 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 18.99%, 24.99%, or 31.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of each balance transfer, whichever is greater
  • Cash Advance APR: 29.99%
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: $30
  • You have good credit
  • You prefer cash back rewards as a statement credit
  • You don’t want to pay an annual fee
Synchrony Premier World Mastercard®

Synchrony Premier World Mastercard®

Terms & Conditions

Best For Simple Everyday Use

The Synchrony Premier World Mastercard® is ideal for the gym goer seeking easy and simple rewards on their fitness journey. While the Premier World Mastercard may not have the excitement of rotating rewards categories, it does earn rewards on everyday purchases. It earns unlimited 2% cash back on all eligible purchases, including gym memberships, fitness equipment or even fitness classes.

Beyond your gym basics, you can use your card anywhere Mastercard is accepted to and earn 2% everywhere. Use your Synchrony Premier for groceries, gas, or any other everyday essentials and nice-to-haves like workout gear, clothes, and more.

Related Article: The Ultimate Guide to Credit Cards for Groceries & Delivery Services

First Progress Platinum Prestige Mastercard® Secured Credit Card

First Progress Platinum Prestige Mastercard® Secured Credit Card
Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required
Mastercard Processing Network
$49 Annual Fee

First Progress Platinum Prestige Mastercard® Secured Credit Card

  • 15.24% variable based on the Prime Rate Regular Purchase APR
  • 24.24% variable based on the Prime Rate Cash Advance APR

At a Glance

The Platinum Prestige Mastercard Secured Credit Card offers an excellent rate, robust Mastercard security, and the ability to rebuild or establish credit – all in one package.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • Regular Purchase APR: 15.24% variable based on the Prime Rate
  • Cash Advance APR: 24.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $49
  • Foreign Transaction Fee: 3% of the transaction amount
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $30
  • Minimum Deposit Required: $200
  • You're looking to rebuild a damaged credit score
  • You plan to carry a balance
  • You prefer the versatility of a credit card vs. a debit card or prepaid cards
  • You want the freedom to use your card virtually anywhere worldwide
First Progress Platinum Prestige Mastercard® Secured Credit Card

First Progress Platinum Prestige Mastercard® Secured Credit Card

Terms & Conditions

Best For Subprime Credit

Just because your credit score is not the best, it doesn’t mean you cannot enjoy a little cash back for your fitness endeavors. The First Progress Platinum Prestige Mastercard® Secured Credit Card is for those with subprime credit scores. However, the Platinum Prestige Secured Credit Card also gives cardholders the potential to earn rewards.

Cardmembers can earn 1% cash back rewards on all payments made on the card. Simply use your card to pay for your gym membership and there you have it, a 1% cash back reward for paying your gym charges. In addition to the cards’ earning potential, it is an option for card seekers having a hard time getting approved for a credit card. It offers low rates, with a minimum $200 deposit required, and only a $49 annual fee.

First Latitude Select Mastercard® Secured Credit Card

First Latitude Select Mastercard® Secured Credit Card
Fair-Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Fair / Poor / No Credit Required
Mastercard Processing Network
$39 Annual Fee

First Latitude Select Mastercard® Secured Credit Card

  • 19.24% (Variable) Regular Purchase APR
  • 25.24% (Variable) Cash Advance APR

At a Glance

The First Latitude Select Mastercard Secured Credit Card can help you build a positive credit history with financial responsibility and regular payments, all for a $39 annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards! • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit. • Build or rebuild your credit!¹ • Accepted wherever Mastercard® is accepted • Reports to all 3 credit bureaus • No minimum credit score required for approval! • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. • *See Important Disclosures for complete offer details
  • Regular Purchase APR: 19.24% (Variable)
  • Cash Advance APR: 25.24% (Variable)
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $39
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $30
  • Minimum Deposit Required: Minimum refundable deposit of $200.00 up to $2,000.00*
  • You have little-to-no credit history and struggle to get approved for other credit cards
  • You want to establish a credit history or improve your credit score
  • You can submit a minimum of $100 for the security deposit
  • You don’t intend to carry a balance from month-to-month
First Latitude Select Mastercard® Secured Credit Card

First Latitude Select Mastercard® Secured Credit Card

Terms & Conditions

Best For Credit Builders

The First Latitude Platinum Mastercard® Secured Credit Card is for gym fanatics who are also on the journey to better credit. Building credit doesn’t have to mean limited rewards. Use your First Latitude Platinum card to charge your gym membership while you build credit at the same time.

Purchase your fitness gear, groceries, and other essentials to earn 1% cash back rewards on all payments made towards your secured credit line account. With responsible use, within 6 months you can apply to get a second credit card in your wallet. While you work out towards your fitness goals the First Latitude Platinum works towards building your credit by reporting to all three major credit bureaus.

Prime Visa

Prime Visa
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

Prime Visa

  • 19.49% to 27.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.49% to 27.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

The Prime Visa offers cardholders impressive rewards on all Amazon.com and Whole Foods purchases, as well as elevated cash back at gas stations, drug stores, restaurants, transit, commuting, and more.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Instant Amazon.com gift card on approval
  • Earn 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership, plus 5% Back on purchases made through Chase Travel.
  • Earn 2% Back at restaurants, gas stations, and drugstores, plus 2% Back on local transit and commuting, including rideshare.
  • Earn 1% Back on all other purchases
  • No foreign transaction fees
  • No annual fee
  • Regular Purchase APR: 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: N/A
  • Balance Transfer APR: 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $39
  • Minimum Deposit Required: N/A
  • You frequently shop at Amazon or Whole Foods
  • You have an existing Amazon Prime membership
  • You want a card with no foreign transaction fees and Visa concierge services for your travel plans
  • You want a flexible rewards program, including savings at gas stations dining
  • You want the excellent customer service Amazon is known for

Best For At-Home Gym Fitness

The Amazon Prime Rewards Card is an excellent retail credit card for those who love to shop through Amazon and have an existing Amazon Prime membership. The card earns a simple 5% back on all purchases made at Amazon.com, making it perfect for anyone looking to stock up on fitness supplies for their New Year’s resolution.

Amazon is a one-stop shop for almost anything you can imagine, including footwear, fitness clothing, resistance bands, kettlebells, foam rollers, or a pull-up bar. The addition of an Amazon gift card instantly upon approval also means you can save big on fitness without even spending a penny!

The Prime Rewards Card also earns 5% back at Whole Foods. Part of getting in shape involves eating right, so getting impressive savings at all Whole Foods Supermarket locations is an excellent addition to any 2023 fitness goals.

Featured photo by Nicole De Khors / Burst

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About: Jeannyn Gomez
Jeannyn Gomez

Jeannyn is the Content Management Assistant for BestCards.com. In addition to serving on all aspects of social media and spreading the word on expert credit and personal finance advice, Jeannyn finds herself on quests for humor, supernatural phenomena, and conspiracy theories for fun.

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