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Can You Pay Planet Fitness with A Credit Card?
July 1, 2025
Quick Answer
Yes, Planet Fitness accepts all major credit cards for membership payments and associated fees.
Should You Pay Planet Fitness With A Credit Card?
Deciding how to pay involves weighing the advantages against the potential disadvantages.
Benefits
- Rewards and Perks: You can earn cash back, points, or miles on your monthly membership fee.
- Consumer Protection: Credit cards often provide robust fraud protection and easier dispute resolution for incorrect charges.
- Payment Consistency: Autopay ensures timely payments, which can contribute to a positive credit history.
Costs
- Interest Charges: Carrying a balance on your card means you'll pay interest, increasing the membership's overall cost.
- Potential for Fees: Missing a credit card payment can result in late fees from your card issuer.
- Subscription Inertia: Automatic payments can make it easy to forget you're paying for a service you no longer use.
How to Pay Planet Fitness With A Credit Card
Paying for your Planet Fitness membership with a credit card is a convenient way to manage dues and potentially earn rewards. Here’s how to set it up effectively.
Review Your Membership Agreement: Before making changes, check your Planet Fitness agreement or contact your local club. Confirm their policies on credit card payments for monthly dues, as procedures can vary by franchise.
Choose the Right Credit Card: Select a card that offers rewards for gym memberships or recurring payments. To find a card that aligns with your financial goals, consider using Kudos' explore cards tool to compare options.
Update Your Payment Information: You can typically update your billing details through the Planet Fitness member portal online or via their app. Alternatively, you may need to visit your home club in person with your new card.
Set Up and Confirm Autopay: To ensure timely payments and avoid late fees, enroll in autopay with your chosen credit card. After the next billing cycle, check your credit card statement to confirm the charge was processed correctly.
Impact On Your Credit Score
Using a credit card for your Planet Fitness membership can influence your credit score in several ways. Here are a few key factors to keep in mind:
- Credit Utilization Ratio: This recurring charge contributes to your credit card balance. Keeping your overall balance low compared to your credit limit is crucial for maintaining a healthy credit utilization ratio and a good score.
- On-Time Payments: Consistently paying your credit card bill on time, including the gym fee, helps build a positive payment history. This is one of the most important factors that contributes to a higher credit score.
- Building Credit History: For those with limited credit, a small, regular charge like a gym membership can be an effective tool. It demonstrates responsible credit use to lenders when you pay the balance off each month.
Alternative Ways To Pay Planet Fitness
Direct Bank Account Payments
Instead of a credit card, you can link your checking account for automatic monthly withdrawals. This is a primary method encouraged by Planet Fitness during enrollment and ensures your membership dues are paid on time without relying on credit. You can typically manage this information through your online account portal or by speaking with staff at your home club to update your billing details.
In-Club Payment Management
For those who prefer more direct oversight, you can handle payments at your local Planet Fitness. This is particularly useful for paying the annual fee or resolving any outstanding balance in person. Visiting the club allows you to confirm payment details with staff and make immediate changes to your account, providing a hands-on alternative to online management and automated billing.
Choose the Right Card to Pay Planet Fitness
With thousands of credit cards on the market, picking the one that gives you the most back on your Planet Fitness membership can feel overwhelming. Instead of settling, you can use a tool that does the heavy lifting for you. The Kudos Explore Tool helps you find your credit card match by comparing nearly 3,000 cards to find the perfect fit for your spending habits and financial goals, ensuring every swipe counts.
If you want to get more from your credit cards, Kudos is the premier free shopping assistant for your online purchases. We're also giving you $20 back after your first eligible purchase—simply sign-up for free with code “GET20” and buy from a Boost merchant.
Frequently Asked Questions
What types of credit cards does Planet Fitness accept?
Planet Fitness accepts most major credit cards, including Visa, Mastercard, American Express, and Discover for membership payments.
Can I update my payment method to a credit card online?
Yes, you can easily update your billing information to a credit card through your online Planet Fitness account.
Are there extra fees for paying my membership with a credit card?
No, Planet Fitness typically does not charge additional processing fees for using a credit card for your dues.
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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.
