17 cards ranked
Best credit card to use at Equinox.
Gyms Fitness
Equinox positions itself as a premium fitness brand with high-end clubs, spa amenities and steep monthly dues. Because gym memberships rarely qualify for a bonus, those dues generally earn at the flat rate, though a few premium cards bundle wellness or fitness credits that can meaningfully offset the cost.
Credits & perks at Equinox
These cards include a statement credit, rebate, or complimentary membership you can use at Equinox, on top of whatever you earn on the purchase. Weigh these alongside the ranked picks below.
- $300/yr
- #1US Bank Cash+ Visa Signatureif you select itU.S. Bank5% on gyms fitness if you select it as a bonus category (up to $2,000/quarter, then 1%)Choose 2 categories each quarter, up to $2,000 combined5%
- #24.0%2x points
- #34.0%2x points
- #4Citi Strataif you select itCiti3x points on gyms fitness if you select it as a bonus category3x on one eligible self-select category of your choice: Select Streaming Services (the default), Fitness Clubs, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores. Changeable once per calendar quarter.3.0%3x points
- #53%
- #62%
- #72%
- #8First Electronic Bank2% flat-rate cashbackTiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.2%
- #9Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #10American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #112%
- #122%
- #13Navy Federal2% flat-rate cashbackIssued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%2%
- #142%
- #152%
- #162%
- #172%
Last updated July 28, 2026