By A few premium cards pay toward a gym membership or a fitness app, as a yearly credit or a few dollars a month.
| Card | Annual fee | Credits | Up to a year |
|---|---|---|---|
| Platinum American Express | $895 | Equinox Credit $300/yr Activate | $300 |
| Platinum for Charles Schwab Charles Schwab · American Express | $895 | Equinox Credit $300/yr Activate | $300 |
| Platinum for Morgan Stanley Morgan Stanley · American Express | $895 | Equinox Credit $300/yr Activate | $300 |
| Sapphire Reserve Chase | $795 | Peloton Membership Credit $10/mo Activate Ends Dec 2027 | $120 |
| JetBlue Premier JetBlue · Barclays | $499 | ClassPass Monthly Credits value varies Activate | — |
“Up to a year” adds up the cash value of the listed credits if you use every one in full. Credits you unlock by spending aren’t counted.
Before you count on these
- Most need a one-time activation first. The card’s page says how.
- Pay the membership directly with the card: memberships bought through an app store or another company often don’t count.
- Only count them if you’d pay for the gym or app anyway.
Premium Finance, our free app, tracks these credits on the cards you hold and reminds you before each one runs out. Open the app.