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Best Credit Card for Peloton Membership in 2026
July 1, 2025
The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Our Top Pick for Peloton Members
The Chase Sapphire Reserve® is the strongest card for a Peloton membership. Through December 31, 2027, it offers $10 in statement credits each month on eligible Peloton memberships (up to $120 per year, activation required), plus 10x total points on eligible Peloton equipment and accessory purchases over $150.
If you want a lower annual fee, the Chase Sapphire Preferred® Card earns 5x total points on eligible Peloton equipment and accessories over $150 through the same date, though it doesn't include the membership credit.
Points are not earned until after the first $300 is spent annually on travel purchases. The first $300 goes toward the $300 Annual Travel Credit.
Top Cards for Peloton
Chase Sapphire Reserve®
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Why we picked it: The Sapphire Reserve Peloton credit covers up to $10 per month (a maximum of $120 per calendar year) through December 31, 2027. Qualifying memberships include All-Access, Rental, App+, Guide, App One and Strength+, and you need to activate the benefit with Chase and add the card at Peloton's Chase promotion page. Memberships bought through the Apple App Store or Google Play don't qualify.
The 10x rate on Peloton equipment and accessories applies to purchases over $150 made directly with Peloton, on up to $5,000 in total purchases, through December 31, 2027. The card's annual fee is $795, and it carries a 19.74% to 28.24% variable APR. New cardmembers can earn 100,000 bonus points after spending $6,000 on purchases in the first 3 months from account opening.
Points are not earned until after the first $300 is spent annually on travel purchases. The first $300 goes toward the $300 Annual Travel Credit.
Chase Sapphire Preferred® Card
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Why we picked it: The Sapphire Preferred earns 5x total points on eligible Peloton equipment and accessory purchases over $150, on up to $5,000 in total purchases, through December 31, 2027. Purchases must be made through onepeloton.com, by phone or in a Peloton showroom.
The annual fee is $95, and the card carries a 19.49% to 27.74% variable APR. New cardmembers can earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.
Other Options to Consider
Citi Double Cash® Card
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The Citi Double Cash® Card earns 2% on every purchase (1% when you buy and 1% as you pay) with no annual fee. It's a simple option if you don't want a premium card, and your monthly membership earns the same rate as everything else.
A Note on Streaming Cards
Cards with streaming categories don't necessarily cover Peloton. Peloton isn't on the list of select U.S. streaming subscriptions for the Blue Cash Preferred® Card from American Express, and Capital One says fitness programming is excluded from the streaming category on the Capital One Savor Cash Rewards Credit Card (Rates & Fees). Expect those cards to earn their base rate on a Peloton membership.
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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
How to Choose a Credit Card for Peloton
Start with how you use Peloton. A monthly membership is a recurring charge, while a bike or tread is a one-time purchase that can be large enough to matter for a welcome offer.
Key Factors
- Membership credits: A statement credit for your membership is worth more than a bonus category on a small charge.
- Equipment bonuses: Check the minimum purchase, the spending cap and the end date.
- Annual fee: Make sure you'll use enough of the card's other benefits to justify the fee.
- Purchase protection: Extended warranty and purchase protection vary by card, so review the benefits guide before buying equipment.
- Financing costs: Carrying a balance on a large equipment purchase can cost more than any rewards you earn.
Quick Decision Guide
- You pay for a Peloton membership: The Chase Sapphire Reserve® offsets up to $120 per year through 2027.
- You're buying equipment and want a $95 card: The Chase Sapphire Preferred® Card earns 5x on eligible purchases over $150.
- You want no annual fee: The Citi Double Cash® Card earns 2% on everything.
How to Maximize Your Peloton Rewards
- Activate the credit: The Sapphire Reserve Peloton credit requires a one-time activation and the card on file with Peloton.
- Buy direct: The Chase equipment bonus applies only to purchases made directly with Peloton, not through other retailers.
- Time a big purchase: If you're opening a new card, an equipment purchase can help you meet the welcome offer's spending requirement.
- Check targeted offers: Amex Offers and Chase Offers occasionally feature fitness brands.
Let Kudos Track It for You
Kudos shows which card earns the most for a purchase, and with Kudos Premium it also tracks the credits and benefits on each of your cards and auto-activates eligible card-linked offers. Get started with Kudos.
Peloton memberships bill every month, so it's easy to keep paying for one you no longer use. Kudos Premium identifies unwanted subscriptions and lets you cancel them with one tap.
Other Things to Consider
Peloton's own financing runs through Affirm, with terms that depend on the product and your approval. Compare that rate with your card's APR before putting a large purchase on a card you can't pay off right away.
For a deeper look at the Chase partnership, read our guide to Chase Sapphire Peloton credits.
Our Methodology
We evaluate nearly 3,000 credit cards across the U.S. market, far more than the roughly 150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to give you a broad, unbiased view of the market so you can make confident decisions.
Our editorial team checks card terms against issuer sources. You can also browse the full dataset in the Kudos card explorer, which includes thousands of cards, more than 95% of which do not pay us commissions.
Frequently Asked Questions
Does Peloton count as a streaming service for credit card rewards?
Usually not. American Express doesn't include Peloton on its streaming list, and Capital One excludes fitness programming from its streaming category. Check your card's terms before counting on a bonus rate.
Which credit card gives a Peloton membership credit?
The Chase Sapphire Reserve® offers $10 per month in statement credits on eligible Peloton memberships through December 31, 2027, up to $120 per year. Activation is required.
Is there a Peloton co-branded credit card?
No. Peloton partners with Chase Sapphire for cardmember benefits and offers financing through Affirm, but it doesn't have its own credit card.
Can I use credit card rewards to pay for Peloton?
Many programs let you redeem points or cash back as a statement credit, which you can use to offset a Peloton charge. The value per point depends on the program.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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