The best credit card for gym memberships
On gym and fitness bills, Wells Fargo Attune comes out ahead at $4.00 per $100 spent, $0.00 more than the next card down.
Every card below is scored the way Cardful scores it at a checkout: the rate is multiplied by what that issuer's points are actually worth, so a points card and a cash-back card can be compared in the same unit. Counts as: Gym memberships, studios — rarely a bonus category.
The short version
- Earns the most: Wells Fargo Attune — rewards worth $4.00 per $100 of gym and fitness bills, with no annual fee.
- No annual fee: the top pick already has none.
| # | Card | Earns | Point value | Per $100 |
|---|---|---|---|---|
| 1 |
Attune
Wells Fargo · No annual fee
Self-care — gyms, exercise classes, salons and spas
|
4% | 1.00¢ / pt | $4.00 |
| 2 |
Blue Business Plus
American Express · No annual fee
2x on every purchase, with no bonus categories to track · Up to $50,000 per year, then the base rate
|
2x | 2.00¢ / pt | $4.00 |
| 3 |
Venture Rewards
Capital One · $95/yr
Base rate — no bonus category applies here
|
2x | 1.80¢ / pt | $3.60 |
| 4 |
Venture X
Capital One · $395/yr
Base rate — no bonus category applies here
|
2x | 1.80¢ / pt | $3.60 |
| 5 |
World of Hyatt
Chase · $95/yr
Gym and fitness club memberships
|
2x | 1.65¢ / pt | $3.30 |
| 6 |
Double Cash
Citi · No annual fee
Base rate — no bonus category applies here
|
2x | 1.60¢ / pt | $3.20 |
| 7 |
Freedom Rise
Chase · No annual fee
Base rate — no bonus category applies here
|
1.5x | 2.00¢ / pt | $3.00 |
| 8 |
Freedom Unlimited
Chase · No annual fee
Base rate — no bonus category applies here
|
1.5x | 2.00¢ / pt | $3.00 |
Cards that pay more only some of the year
Freedom Flex pays a bonus rate on gym memberships only in quarters where the issuer picks that category, and you have to activate it. They are left out of the ranking above rather than credited with a rate you may not have this quarter — Cardful tracks which quarter your selection was made in and drops the card to its base rate when it lapses.
Cards that pay more here with a condition attached
Left out of the ranking above because each one needs something from you — a category chosen in the card's settings, or buying at one particular store. If that condition fits how you shop, these can beat everything in the table.
- Custom Cash (Citi) — 5x if you choose Gyms & Fitness as your category; Up to $500 per billing cycle, then the base rate.
- Cash+ Visa Signature (U.S. Bank) — 5% if you choose Gyms & Fitness as one of your categories; Up to $2,000 per quarter, then the base rate.
- Strata (Citi) — 3x if you choose Gyms & Fitness as your category.
How to use this list
- Check the store codes as gym memberships. Issuers pay by the category the merchant registers under, not by what you bought. This page counts: Gym memberships, studios — rarely a bonus category.
- Start with the cards you already have. Find the highest one of yours in the table — that is your card for gym and fitness bills today, no application needed.
- Read the small print under each card. A spending cap or a "US only" note can change the answer if you spend a lot here or shop abroad.
- Only then think about a new card, and weigh the whole year: a card that wins one category can lose on the rest of your spending.
Why dollars and not multipliers
A multiplier is not a number you can compare with a cash-back percentage until you know what a point is worth. Every rate here was converted using a published valuation before the cards were sorted, which is why the order sometimes differs from the one the advertised multipliers suggest.
Point values: published industry valuations, most recently read 2026-09. We track The Points Guy, Upgraded Points, NerdWallet, Frequent Miler and AwardWallet.
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Your wallet, not this list.
This ranks the whole catalogue. Cardful ranks the cards you actually carry, at the store you are actually on.