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Best Credit Cards for Peloton

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 Peloton

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

Resolved as:PelotonCached
85%
106 matches954ms

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

Chase Sapphire Reserve
1

Chase Sapphire Reserve

Chase

10x Ultimate Rewards on Peloton
10x × 1.8¢/pt = 18.0¢ per dollar

Why this card

  1. 1.10x on peloton — points worth 1.8¢ each ($918/yr on $6,000 spend)
  2. 2.$6/yr Peloton Credits & Bonus Points

$954 in credits fully offsets the $795 fee

Your spend ($6,000) is 120% of the $5,000 annual cap

Promotional rate — may be time-limited

VISAPromotional
18.0¢
per dollar on peloton
$795/yr($954 in credits)
Annual rewards$918
+ Credits$954
− Annual fee$795
Net annual value$1,077

Bonus rate on first $5,000/lifetime, then base rate

Chase Sapphire Preferred Card
2

Chase Sapphire Preferred Card

Chase

5x Ultimate Rewards on Peloton
5x × 1.8¢/pt = 9.0¢ per dollar

Why this card

  1. 1.5x on peloton — points worth 1.8¢ each ($468/yr on $6,000 spend)

$134 in credits fully offsets the $95 fee

Your spend ($6,000) is 120% of the $5,000 annual cap

Promotional rate — may be time-limited

VISAPromotional
9.0¢
per dollar on peloton
$95/yr($134 in credits)
Annual rewards$468
+ Credits$134
− Annual fee$95
Net annual value$507

Bonus rate on first $5,000/lifetime, then base rate

3

Bilt Palladium Card

Cardless

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

Why this card

    $300 in credits offset the $495 fee

    MASTERCARD
    4.4¢
    per dollar on peloton
    $495/yr($300 in credits)
    Annual rewards$264.00
    + Credits$300
    − Annual fee$495
    Net annual value$69
    4

    Capital One Venture X Rewards Credit Card

    Capital One

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

    Why this card

      $315 in credits offset the $395 fee

      VISA
      3.7¢
      per dollar on peloton
      $395/yr($315 in credits)
      Annual rewards$222
      + Credits$315
      − Annual fee$395
      Net annual value$142
      5

      The Platinum Card from American Express

      Amex

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

      Why this card

        $1,397 in credits fully offsets the $895 fee

        AMEX
        1.5¢
        per dollar on peloton
        $895/yr($1,397 in credits)
        Annual rewards$90
        + Credits$1,397
        − Annual fee$895
        Net annual value$592
        Citi Strata Elite℠ Card
        6

        Citi Strata Elite℠ Card

        Citi

        1.5x ThankYou Points on Peloton
        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 peloton
          $595/yr($762.50 in credits)
          Annual rewards$144
          + Credits$762.50
          − Annual fee$595
          Net annual value$311.50
          Fidelity Rewards Visa Signature Card
          7

          Fidelity Rewards Visa Signature Card

          Elan Financial

          2% cash back on Peloton

          Why this card

            No annual fee

            VISA
            2.0¢
            per dollar on peloton
            No annual fee
            Annual rewards$120
            Net annual value$120
            Synchrony Premier Mastercard
            8

            Synchrony Premier Mastercard

            Synchrony

            2% cash back on Peloton

            Why this card

              No annual fee

              MASTERCARD
              2.0¢
              per dollar on peloton
              No annual fee
              Annual rewards$120
              Net annual value$120
              9

              One Key+ Card

              Wells Fargo

              2% cash back on Peloton
              MASTERCARD
              2.0¢
              per dollar on peloton
              $99/yr
              Annual rewards$120
              − Annual fee$99
              Net annual value$21
              Capital One VentureOne Rewards Credit Card
              10

              Capital One VentureOne Rewards Credit Card

              Capital One

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

              Why this card

                No annual fee

                MASTERCARD
                2.3¢
                per dollar on peloton
                No annual fee
                Annual rewards$138.75
                Net annual value$138.75
                11

                TD Double Up Credit Card

                Td Bank

                2% cash back on Peloton

                Why this card

                  No annual fee

                  VISA
                  2.0¢
                  per dollar on peloton
                  No annual fee
                  Annual rewards$120
                  Net annual value$120
                  U.S. Bank Smartly Visa Signature Card
                  12

                  U.S. Bank Smartly Visa Signature Card

                  Usbank

                  2% cash back on Peloton

                  Why this card

                    No annual fee

                    VISA
                    2.0¢
                    per dollar on peloton
                    No annual fee
                    Annual rewards$120
                    Net annual value$120
                    Wells Fargo Active Cash Card
                    13

                    Wells Fargo Active Cash Card

                    Wells Fargo

                    2% cash back on Peloton
                    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 peloton
                    No annual fee
                    Annual rewards$120
                    Net annual value$120
                    Rakuten American Express Card
                    14

                    Rakuten American Express Card

                    First Electronic Bank

                    1% cash back on Peloton

                    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 peloton
                    depending on redemption
                    No annual fee
                    Annual rewards$94
                    Net annual value$94
                    Bank of America® Unlimited Cash Rewards Secured
                    15

                    Bank of America® Unlimited Cash Rewards Secured

                    Bank Of America

                    1.5% cash back on Peloton

                    Why this card

                    1. 1.1.5% cash back on peloton ($90/yr on $6,000 spend)

                    No annual fee

                    VISACore Rate
                    1.5¢
                    per dollar on peloton
                    No annual fee
                    Annual rewards$90
                    Net annual value$90
                    Bilt Blue Card
                    16

                    Bilt Blue Card

                    Cardless

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

                    Why this card

                      No annual fee

                      MASTERCARD
                      2.2¢
                      per dollar on peloton
                      No annual fee
                      Annual rewards$132.00
                      Net annual value$132.00
                      17

                      PenFed Pathfinder Rewards Visa Signature Card

                      Penfed

                      1.5x Penfed Honors Advantage on Peloton
                      1.5x × 0.9¢/pt = 1.3¢ per dollar

                      Why this card

                        $50 in credits offset the $95 fee

                        VISA
                        1.3¢
                        per dollar on peloton
                        $95/yr($50 in credits)
                        Annual rewards$80.10
                        + Credits$50
                        − Annual fee$95
                        Net annual value$35.10
                        Marriott Bonvoy Bountiful Credit Card
                        18

                        Marriott Bonvoy Bountiful Credit Card

                        Chase

                        2x Marriott Bonvoy on Peloton
                        2x × 0.7¢/pt = 1.4¢ per dollar

                        Why this card

                          $135 in credits offset the $250 fee

                          VISA
                          1.4¢
                          per dollar on peloton
                          $250/yr($135 in credits)
                          Annual rewards$84
                          + Credits$135
                          − Annual fee$250
                          Net annual value-$31
                          Bilt Obsidian Card
                          19

                          Bilt Obsidian Card

                          Cardless

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

                          Why this card

                            $20 in credits offset the $95 fee

                            MASTERCARD
                            2.2¢
                            per dollar on peloton
                            $95/yr($20 in credits)
                            Annual rewards$132.00
                            + Credits$20
                            − Annual fee$95
                            Net annual value$57.00
                            Chase Freedom Unlimited
                            20

                            Chase Freedom Unlimited

                            Chase

                            1.5% cash back on Peloton

                            Why this card

                              No annual fee

                              VISA
                              1.5¢
                              per dollar on peloton
                              No annual fee($30 in credits)
                              Annual rewards$90
                              + Credits$30
                              Net annual value$120
                              Navy Federal Visa cashRewards Card
                              21

                              Navy Federal Visa cashRewards Card

                              Navy Federal

                              1.5% cash back on Peloton

                              Why this card

                                No annual fee

                                VISA
                                1.5¢
                                per dollar on peloton
                                No annual fee
                                Annual rewards$90
                                Net annual value$90
                                Discover it® Miles
                                22

                                Discover it® Miles

                                Discover

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

                                Why this card

                                  No annual fee

                                  DISCOVER
                                  1.5¢
                                  per dollar on peloton
                                  No annual fee
                                  Annual rewards$90
                                  Net annual value$90
                                  Bank of America® Travel Rewards
                                  23

                                  Bank of America® Travel Rewards

                                  Bank Of America

                                  1.5x Bank of America Points on Peloton
                                  1.5x × 1.0¢/pt = 1.5¢ per dollar

                                  Why this card

                                    No annual fee

                                    VISA
                                    1.5¢
                                    per dollar on peloton
                                    No annual fee
                                    Annual rewards$90
                                    Net annual value$90
                                    Citi Double Cash Card
                                    24

                                    Citi Double Cash Card

                                    Citi

                                    2% cash back on Peloton

                                    Why this card

                                      No annual fee

                                      MASTERCARD
                                      2.0¢
                                      per dollar on peloton
                                      No annual fee
                                      Annual rewards$120
                                      Net annual value$120
                                      25

                                      SoFi Credit Card

                                      Sofi

                                      2% cash back on Peloton

                                      Why this card

                                        No annual fee

                                        MASTERCARD
                                        2.0¢
                                        per dollar on peloton
                                        No annual fee
                                        Annual rewards$120
                                        Net annual value$120
                                        BJ's One+™ Mastercard®
                                        26

                                        BJ's One+™ Mastercard®

                                        Capital One

                                        2% cash back on Peloton

                                        Why this card

                                          No annual fee

                                          MASTERCARD
                                          2.0¢
                                          per dollar on peloton
                                          No annual fee
                                          Annual rewards$120
                                          Net annual value$120
                                          Capital One QuicksilverOne Cash Rewards Credit Card
                                          27

                                          Capital One QuicksilverOne Cash Rewards Credit Card

                                          Capital One

                                          1.5% cash back on Peloton
                                          MASTERCARD
                                          1.5¢
                                          per dollar on peloton
                                          $39/yr
                                          Annual rewards$90
                                          − Annual fee$39
                                          Net annual value$51
                                          British Airways Visa Signature® Credit Card
                                          28

                                          British Airways Visa Signature® Credit Card

                                          Chase

                                          1x British Airways Club on Peloton
                                          1x × 1.0¢/pt = 1.0¢ per dollar

                                          Why this card

                                            $360 in credits fully offsets the $95 fee

                                            VISA
                                            1.0¢
                                            per dollar on peloton
                                            $95/yr($360 in credits)
                                            Annual rewards$60
                                            + Credits$360
                                            − Annual fee$95
                                            Net annual value$325
                                            Hilton Honors American Express Card
                                            29

                                            Hilton Honors American Express Card

                                            Amex

                                            3x Hilton Honors on Peloton
                                            3x × 0.4¢/pt = 1.2¢ per dollar

                                            Why this card

                                              No annual fee

                                              AMEX
                                              1.2¢
                                              per dollar on peloton
                                              No annual fee
                                              Annual rewards$72
                                              Net annual value$72
                                              Citi Strata Premier Card
                                              30

                                              Citi Strata Premier Card

                                              Citi

                                              1x ThankYou Points on Peloton
                                              1x × 1.6¢/pt = 1.6¢ per dollar

                                              Why this card

                                                $50 in credits offset the $95 fee

                                                MASTERCARD
                                                1.6¢
                                                per dollar on peloton
                                                $95/yr($50 in credits)
                                                Annual rewards$96
                                                + Credits$50
                                                − Annual fee$95
                                                Net annual value$51