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Best Credit Cards for Health & Fitness

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.

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Best Credit Cards for Health & Fitness

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:Healthcare+2 moreCached
70%
110 matches380ms

Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank

1

Bilt Palladium Card

Cardless

2x Bilt Rewards on Healthcare
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

    $300 in credits offset the $495 fee

    MASTERCARD
    4.4¢
    per dollar on healthcare
    $495/yr($300 in credits)
    Annual rewards$264.00
    + Credits$300
    − Annual fee$495
    Net annual value$69
    2

    Capital One Venture X Rewards Credit Card

    Capital One

    2x Venture Miles on Healthcare
    2x × 1.9¢/pt = 3.7¢ per dollar

    Why this card

      $315 in credits offset the $395 fee

      VISA
      3.7¢
      per dollar on healthcare
      $395/yr($315 in credits)
      Annual rewards$222
      + Credits$315
      − Annual fee$395
      Net annual value$142
      Citi Strata Credit Card
      3

      Citi Strata Credit Card

      Citi

      3x ThankYou Points on Healthcare
      3x × 1.6¢/pt = 4.8¢ per dollar

      Why this card

      1. 1.3x on healthcare — points worth 1.6¢ each ($160/yr on $6,000 spend)

      No annual fee

      MASTERCARDCore Rate
      2.7¢
      per dollar on healthcare
      No annual fee($150 in credits)
      Annual rewards$160
      + Credits$150
      Net annual value$310
      Citi Strata Elite℠ Card
      4

      Citi Strata Elite℠ Card

      Citi

      1.5x ThankYou Points on Healthcare
      1.5x × 1.6¢/pt = 2.4¢ per dollar

      Why this card

        $762.50 in credits fully offsets the $595 fee

        MASTERCARD
        2.4¢
        per dollar on healthcare
        $595/yr($762.50 in credits)
        Annual rewards$144
        + Credits$762.50
        − Annual fee$595
        Net annual value$311.50
        U.S. Bank Cash+® Visa Signature® Card
        5

        U.S. Bank Cash+® Visa Signature® Card

        Usbank

        5% cash back on Healthcare

        Why this card

        1. 1.5% cash back on healthcare ($140/yr on $6,000 spend)

        No annual fee

        VISACore Rate
        2.3¢
        per dollar on healthcare
        No annual fee
        Annual rewards$140
        Net annual value$140

        Bonus rate on first $2,000/quarterly, then base rate

        6

        The Platinum Card from American Express

        Amex

        1x Membership Rewards on Healthcare
        1x × 1.5¢/pt = 1.5¢ per dollar

        Why this card

        1. 1.$15/yr SoulCycle Credit
        2. 2.$15/yr Equinox Credit

        $1,367 in credits fully offsets the $895 fee

        AMEX
        1.5¢
        per dollar on healthcare
        $895/yr($1,367 in credits)
        Annual rewards$90
        + Credits$1,367
        − Annual fee$895
        Net annual value$562
        Capital One VentureOne Rewards Credit Card
        7

        Capital One VentureOne Rewards Credit Card

        Capital One

        1.25x Venture Miles on Healthcare
        1.25x × 1.9¢/pt = 2.3¢ per dollar

        Why this card

          No annual fee

          MASTERCARD
          2.3¢
          per dollar on healthcare
          No annual fee
          Annual rewards$138.75
          Net annual value$138.75
          Fidelity Rewards Visa Signature Card
          8

          Fidelity Rewards Visa Signature Card

          Elan Financial

          2% cash back on Healthcare

          Why this card

            No annual fee

            VISA
            2.0¢
            per dollar on healthcare
            No annual fee
            Annual rewards$120
            Net annual value$120
            9

            One Key+ Card

            Wells Fargo

            2% cash back on Healthcare
            MASTERCARD
            2.0¢
            per dollar on healthcare
            $99/yr
            Annual rewards$120
            − Annual fee$99
            Net annual value$21
            Chase Sapphire Preferred Card
            10

            Chase Sapphire Preferred Card

            Chase

            1x Ultimate Rewards on Healthcare
            1x × 1.8¢/pt = 1.8¢ per dollar

            Why this card

              $134 in credits fully offsets the $95 fee

              VISA
              1.8¢
              per dollar on healthcare
              $95/yr($134 in credits)
              Annual rewards$108
              + Credits$134
              − Annual fee$95
              Net annual value$147
              Chase Freedom Unlimited
              11

              Chase Freedom Unlimited

              Chase

              3% cash back on Healthcare

              Why this card

              1. 1.3% cash back on healthcare ($120/yr on $6,000 spend)

              No annual fee

              VISACore Rate
              2.0¢
              per dollar on healthcare
              No annual fee($30 in credits)
              Annual rewards$120
              + Credits$30
              Net annual value$150
              U.S. Bank Smartly Visa Signature Card
              12

              U.S. Bank Smartly Visa Signature Card

              Usbank

              2% cash back on Healthcare

              Why this card

                No annual fee

                VISA
                2.0¢
                per dollar on healthcare
                No annual fee
                Annual rewards$120
                Net annual value$120
                Synchrony Premier Mastercard
                13

                Synchrony Premier Mastercard

                Synchrony

                2% cash back on Healthcare

                Why this card

                  No annual fee

                  MASTERCARD
                  2.0¢
                  per dollar on healthcare
                  No annual fee
                  Annual rewards$120
                  Net annual value$120
                  Wells Fargo Active Cash Card
                  14

                  Wells Fargo Active Cash Card

                  Wells Fargo

                  2% cash back on Healthcare
                  Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

                  Why this card

                  1. 1.Up to 1.6¢/pt via Choice Privileges

                  No annual fee

                  VISA
                  2.0¢
                  per dollar on healthcare
                  No annual fee
                  Annual rewards$120
                  Net annual value$120
                  15

                  TD Double Up Credit Card

                  Td Bank

                  2% cash back on Healthcare

                  Why this card

                    No annual fee

                    VISA
                    2.0¢
                    per dollar on healthcare
                    No annual fee
                    Annual rewards$120
                    Net annual value$120
                    Bilt Blue Card
                    16

                    Bilt Blue Card

                    Cardless

                    1x Bilt Rewards on Healthcare
                    1x × 2.2¢/pt = 2.2¢ per dollar

                    Why this card

                      No annual fee

                      MASTERCARD
                      2.2¢
                      per dollar on healthcare
                      No annual fee
                      Annual rewards$132.00
                      Net annual value$132.00
                      Bilt Obsidian Card
                      17

                      Bilt Obsidian Card

                      Cardless

                      1x Bilt Rewards on Healthcare
                      1x × 2.2¢/pt = 2.2¢ per dollar

                      Why this card

                        $20 in credits offset the $95 fee

                        MASTERCARD
                        2.2¢
                        per dollar on healthcare
                        $95/yr($20 in credits)
                        Annual rewards$132.00
                        + Credits$20
                        − Annual fee$95
                        Net annual value$57.00
                        Rakuten American Express Card
                        18

                        Rakuten American Express Card

                        First Electronic Bank

                        1% cash back on Healthcare

                        Convertible Cash Back — 1.0–2.0¢/$

                        This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                        Why this card

                        1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                        No annual fee

                        AMEXConvertible
                        1.0–2.0¢
                        per dollar on healthcare
                        depending on redemption
                        No annual fee
                        Annual rewards$94
                        Net annual value$94
                        Chase Sapphire Reserve
                        19

                        Chase Sapphire Reserve

                        Chase

                        1x Ultimate Rewards on Healthcare
                        1x × 1.8¢/pt = 1.8¢ per dollar

                        Why this card

                        1. 1.$6/yr Peloton Credits & Bonus Points

                        $954 in credits fully offsets the $795 fee

                        VISA
                        1.8¢
                        per dollar on healthcare
                        $795/yr($954 in credits)
                        Annual rewards$108
                        + Credits$954
                        − Annual fee$795
                        Net annual value$267
                        Citi Double Cash Card
                        20

                        Citi Double Cash Card

                        Citi

                        2% cash back on Healthcare

                        Why this card

                          No annual fee

                          MASTERCARD
                          2.0¢
                          per dollar on healthcare
                          No annual fee
                          Annual rewards$120
                          Net annual value$120
                          BJ's One+™ Mastercard®
                          21

                          BJ's One+™ Mastercard®

                          Capital One

                          2% cash back on Healthcare

                          Why this card

                            No annual fee

                            MASTERCARD
                            2.0¢
                            per dollar on healthcare
                            No annual fee
                            Annual rewards$120
                            Net annual value$120
                            22

                            SoFi Credit Card

                            Sofi

                            2% cash back on Healthcare

                            Why this card

                              No annual fee

                              MASTERCARD
                              2.0¢
                              per dollar on healthcare
                              No annual fee
                              Annual rewards$120
                              Net annual value$120
                              The AARP® Essential Rewards Mastercard®
                              23

                              The AARP® Essential Rewards Mastercard®

                              Barclays

                              3% cash back on Healthcare

                              Why this card

                              1. 1.3% cash back on healthcare ($100/yr on $6,000 spend)

                              No annual fee

                              MASTERCARDCore Rate
                              1.7¢
                              per dollar on healthcare
                              No annual fee
                              Annual rewards$100
                              Net annual value$100
                              Susan G. Komen® Customized Cash Rewards
                              24

                              Susan G. Komen® Customized Cash Rewards

                              Bank Of America

                              3% cash back on Healthcare

                              Why this card

                              1. 1.3% cash back on healthcare ($100/yr on $6,000 spend)

                              No annual fee

                              VISACore Rate
                              1.7¢
                              per dollar on healthcare
                              No annual fee
                              Annual rewards$100
                              Net annual value$100

                              Bonus rate on first $2,500/quarterly, then base rate

                              Bank of America Unlimited Cash Rewards Credit Card
                              25

                              Bank of America Unlimited Cash Rewards Credit Card

                              Bank Of America

                              1.5% cash back on Healthcare

                              Why this card

                                No annual fee

                                VISA
                                1.5¢
                                per dollar on healthcare
                                No annual fee
                                Annual rewards$90
                                Net annual value$90
                                Discover it® Miles
                                26

                                Discover it® Miles

                                Discover

                                1.5x Cashback on Healthcare
                                1.5x × 1.0¢/pt = 1.5¢ per dollar

                                Why this card

                                  No annual fee

                                  DISCOVER
                                  1.5¢
                                  per dollar on healthcare
                                  No annual fee
                                  Annual rewards$90
                                  Net annual value$90
                                  Navy Federal Visa cashRewards Card
                                  27

                                  Navy Federal Visa cashRewards Card

                                  Navy Federal

                                  1.5% cash back on Healthcare

                                  Why this card

                                    No annual fee

                                    VISA
                                    1.5¢
                                    per dollar on healthcare
                                    No annual fee
                                    Annual rewards$90
                                    Net annual value$90
                                    Chase Freedom Flex
                                    28

                                    Chase Freedom Flex

                                    Chase

                                    3% cash back on Healthcare

                                    Why this card

                                    1. 1.3% cash back on healthcare ($100/yr on $6,000 spend)

                                    No annual fee

                                    MASTERCARDCore Rate
                                    1.7¢
                                    per dollar on healthcare
                                    No annual fee($30 in credits)
                                    Annual rewards$100
                                    + Credits$30
                                    Net annual value$130
                                    Capital One QuicksilverOne Cash Rewards Credit Card
                                    29

                                    Capital One QuicksilverOne Cash Rewards Credit Card

                                    Capital One

                                    1.5% cash back on Healthcare
                                    MASTERCARD
                                    1.5¢
                                    per dollar on healthcare
                                    $39/yr
                                    Annual rewards$90
                                    − Annual fee$39
                                    Net annual value$51
                                    Bank of America Customized Cash Rewards Credit Card
                                    30

                                    Bank of America Customized Cash Rewards Credit Card

                                    Bank Of America

                                    3% cash back on Healthcare

                                    Why this card

                                    1. 1.3% cash back on healthcare ($100/yr on $6,000 spend)

                                    No annual fee

                                    VISACore Rate
                                    1.7¢
                                    per dollar on healthcare
                                    No annual fee
                                    Annual rewards$100
                                    Net annual value$100

                                    Bonus rate on first $2,500/quarterly, then base rate