How to use your credit card for gym benefits

Quick insights

• From gym memberships to fitness classes to athletic gear, some credit cards offer rewards specific to exercise and wellness purchases.
• Rewards structures for credit cards vary, with options that may allow you to earn cash back, points or statement credits.
• You may want to consider a credit card’s rewards, benefits and features holistically when selecting the right one for your spending habits.

From gym memberships to home workout equipment, the pursuit of good health can be expensive. The right rewards credit card may help you meet your fitness goals. Whether you’ve got a tried-and-true fitness regimen or like to keep up with the latest health and wellness trends on social media, you may find rewards to maximize your fitness spending.

Here’s a guide that may help you find the right credit card for a gym membership and other perks to help you meet your fitness goals. 

Common fitness benefits you can get with a credit card

You’re probably accustomed to seeing rewards and benefits around dining and travel, but you can also get rewarded for fitness purchases. With so many popular credit cards offering fitness perks, you’ll likely find one that works with your lifestyle. Here are some examples of fitness purchases that credit cards may reward:

• Equipment and accessory purchases
• Fitness clubs and gym memberships
• Fitness classes

Before applying for a credit card, you may want to consider the benefits of the credit card holistically to ensure it works with your overall spending habits, not just your fitness purchases. 

Earn cash back rewards on fitness purchases

While points seem to be the most common rewards structure for fitness-friendly credit cards, some cards offer cash back rewards. You’ll also see credit cards that offer statement credits when you make an eligible fitness purchase.

In summary

Your exercise habits can impact your spending. Several credit cards offer points, cash back and statement credits for fitness purchases like athletic gear, gym memberships and fitness classes.