Fitness isn’t just a hobby—it’s a lifestyle. And if you’re someone who prioritizes health and wellness, why not make your spending work for you? In 2024, credit card issuers are rolling out perks tailored specifically for gym rats, yogis, runners, and anyone committed to staying active. From cash back on fitness subscriptions to complimentary wellness retreats, these cards are designed to reward your dedication.
Here’s a breakdown of the best credit cards for fitness enthusiasts this year, along with tips on how to maximize their benefits.
The global fitness industry is booming, with trends like wearable tech, personalized nutrition, and hybrid workouts (think Peloton meets CrossFit) dominating the scene. At the same time, inflation and rising gym membership costs are making it harder for people to maintain their fitness routines without breaking the bank.
That’s where the right credit card comes in. By strategically using a card that rewards fitness-related spending, you can:
- Offset the cost of gym memberships, supplements, and equipment
- Earn points for wellness travel (e.g., yoga retreats, marathon entries)
- Get discounts on health-tracking devices like WHOOP or Apple Watch
- Access exclusive fitness events or VIP classes
Annual Fee: $550
Key Perks:
- 3x points on travel and dining (including wellness retreats and healthy meal delivery)
- $300 annual travel credit (can cover gyms like Equinox while traveling)
- Complimentary Priority Pass lounge access (great for post-workout smoothies)
- Reimbursement for Global Entry or TSA PreCheck (for fitness influencers on the go)
Why It’s Great: If you’re into destination marathons or luxury fitness resorts, this card turns your spending into free trips.
Annual Fee: $250
Key Perks:
- 4x points at U.S. supermarkets (hello, organic groceries and protein shakes)
- 3x points on flights (for those weekend warrior getaways)
- Monthly dining credits ($10 at Grubhub, Sweetgreen, and other healthy eateries)
Why It’s Great: Eating clean is expensive—this card helps you earn rewards on every Whole Foods run.
Annual Fee: $95
Key Perks:
- 2x points on travel and dining
- 1.5x points on all other purchases (including gym memberships and fitness gear)
- $100 annual airline incidental credit (for checked bags full of workout gear)
Why It’s Great: Simplicity meets value—ideal for those who want straightforward cash back on fitness spending.
Annual Fee: $0
Key Perks:
- 5% cash back on your top eligible spending category each month (up to $500)
- Includes gyms, sporting goods stores, and even running shoe retailers
Why It’s Great: If your fitness expenses vary (e.g., cycling shoes one month, a new yoga mat the next), this card adapts to your spending.
Annual Fee: $0
Key Perks:
- 5% cash back on rotating quarterly categories (often includes gyms and sporting goods)
- First-year cash back match (doubling your rewards)
Why It’s Great: A no-fee card that rewards you for seasonal fitness splurges, like winter ski passes or summer hiking gear.
Many premium gyms (e.g., Equinox, SoulCycle) offer corporate discounts when you pay with certain cards. Always check for partnerships before signing up.
Cards like Chase Sapphire and Amex have shopping portals where you can earn extra points when buying from Nike, Lululemon, or REI.
Most of these cards offer hefty welcome bonuses (e.g., 60,000 points after spending $4,000 in 3 months). Time your application around a big fitness purchase (like a Peloton bike) to hit the threshold easily.
Sync your credit card with apps like Apple Health or Fitbit to monitor how much you’re investing in fitness—and adjust your rewards strategy accordingly.
With the rise of Web3, some fintech companies are experimenting with crypto-backed fitness rewards. Imagine earning Bitcoin for hitting your step goal or getting NFT-based discounts on personal training sessions. While these options are still niche, they’re worth watching in 2024.
The best card for you depends on your fitness habits. Marathoners might prioritize travel perks, while home gym builders may want cash back on equipment. Review your spending annually and switch cards if needed—because in fitness (and finance), adaptability is key.
Copyright Statement:
Author: Global Credit Union
Link: https://globalcreditunion.github.io/blog/best-credit-cards-for-fitness-enthusiasts-in-2024-3575.htm
Source: Global Credit Union
The copyright of this article belongs to the author. Reproduction is not allowed without permission.
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