What are the best credit cards for a gym membership?

The best credit card for a gym membership is the U.S. Bank Cash+® Visa Signature® Card because it gives 5% cash back on purchases in two categories that you get to choose, and gym memberships are eligible. You can also get an initial bonus and a 0% introductory APR, and you won’t have to pay an annual fee.

To qualify for 5% cash back on gym memberships with U.S. Bank Cash+, you’ll have to activate “Gyms/fitness centers” as one of your cash back categories every quarter. Additionally, the 5% cash back rewards are limited to the first $2,000 in combined purchases in your two chosen categories every quarter. If you prefer a simple rewards structure, consider a flat rate rewards card such as the Wells Fargo Active Cash® Card, which offers 2% cash rewards on purchases, with no limit on how much cash rewards you can earn.

Best Credit Cards for a Gym Membership

The best rewards credit cards typically require at least good credit for approval. To see where you stand, you can check your credit score for free right here on WalletHub. You can also use our CardAdvisor tool for help finding the right credit card. You’ll get a personalized credit card recommendation based on your responses to a few general questions.

U.S. Bank Cash+ Visa or Wells Fargo Attune. Both are excellent. Neither will run or lift for you though - that part’s on you!

If you're just looking for basic cash back on gym fees, the US Bank Cash+ is probably your best bet - you can select gym memberships as a 5% category (up to $2,000/quarter). The Citi Custom Cash also works if your gym is your top monthly expense (5% on up to $500). Neither has an annual fee, so they’re easy to keep long-term.

I have the Attune card, and I definitely recommend it. If you care about things like the environment and your pets in addition to your body/health, it’s excellent.