Best Credit Card for Peloton Membership in 2026

Other Options to Consider

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Blue Cash Everyday® Card from American Express

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[[ SINGLE_CARD * {"id": "260", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Everyday Spenders", "headerHint": "Consistent Cash Back"} ]]

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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.

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Chase Sapphire Reserve®

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[[ SINGLE_CARD * {"id": "510", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Frequent Travelers", "headerHint": "$300 Annual Travel Credit"} ]]

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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.

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How to Choose a Credit Card for Peloton Membership

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Your Peloton membership is an investment in your health, and selecting the right credit card can help you get a better return on that investment through valuable rewards and perks.

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It's easy to be swayed by a hefty welcome bonus, but a common mistake is choosing a card with an annual fee that negates your earnings. Also, be sure to pick a card that actually rewards you for your Peloton subscription, either through fitness or streaming bonus categories, to get the most value.

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Key Factors

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• Annual Fee: Weigh the card’s annual fee against the value of its rewards and benefits to ensure you come out ahead.
• Welcome Offer: A large introductory bonus is appealing, but be sure you can meet the minimum spending requirement to earn it without changing your normal spending habits.
• Reward Categories: Choose a card that offers a high rewards rate on fitness or streaming services to maximize the return on your monthly Peloton subscription.
• Redemption Value: Understand what your points or miles are worth and how you can use them, as redemption flexibility can significantly impact their overall value.
• Additional Perks: Look for extra benefits like fitness-related statement credits or an extended warranty on your equipment, which can provide value beyond just rewards points.

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What to Watch Out For

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A common pitfall is chasing a large welcome offer without considering the card's annual fee, which can quickly erode your earnings over time. Similarly, it's a mistake to choose a card that doesn't offer bonus rewards on fitness or streaming services, as you'll miss out on maximizing your return on the monthly Peloton subscription long after the initial bonus is spent.

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Decision Flow

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• If your main goal is to maximize rewards on the monthly membership fee: Choose a card that offers a high rewards rate on streaming services or fitness spending. Peloton subscriptions often qualify for these bonus categories, giving you the most bang for your buck on that recurring charge.
• If you prefer simplicity over tracking categories: A flat-rate cash back card is your best bet. You'll earn a consistent rate on every dollar you spend, including your Peloton membership and any accessories, without any extra effort.
• If you want to turn your workouts into vacations: Opt for a travel rewards card. Look for one that either includes streaming as a bonus category or offers flexible statement credits that can be applied to your Peloton membership, effectively lowering its cost while you rack up points for flights and hotels.
• If you're planning to purchase Peloton equipment: A card with a 0% introductory APR on purchases can be invaluable. This allows you to finance the bike or tread over several months without paying interest, but make sure you can pay off the balance before the promotional period ends.
• If you want to protect your new equipment: Prioritize cards that offer extended warranty protection. This benefit can add an extra year of coverage on top of the manufacturer's warranty, offering valuable peace of mind for your significant investment.

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Maximize Your Return with Peloton Membership

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To get the most value from your Peloton membership purchase, consider these strategies for maximizing your credit card rewards:

• Use a card with fitness or streaming bonuses: Some credit cards offer elevated rewards for spending on fitness or streaming services, which can apply to your monthly Peloton membership fee.
• Stack with shopping portals: Before buying Peloton equipment, check online shopping portals to see if you can earn additional cash back or points on top of your credit card rewards.
• Meet a welcome offer spending requirement: The significant cost of a Peloton Bike or Tread can help you meet the minimum spending threshold for a new credit card's lucrative welcome offer.
• Check for targeted offers: Log into your credit card account and look for special promotions, like Amex Offers or Chase Offers, which may provide statement credits or bonus points for Peloton purchases.
• Redeem rewards for statement credits: Offset the cost of your membership or equipment by redeeming your accumulated points or cash back as a statement credit against the Peloton charge on your account.

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Supercharge your Rewards with Kudos

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Stop guessing which card to use and let Kudos automatically select the one that earns you the most rewards on every purchase. Get started for free.

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Other Things to Consider

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Beyond the immediate benefits for your Peloton purchase, it's wise to consider your broader financial habits and goals when selecting a new credit card. For instance, if you frequently shop at a specific retailer, a store-branded card might offer more long-term value through exclusive discounts or rewards, even if it doesn't provide direct Peloton perks. Regardless of the card you choose, it's crucial to have a clear plan for managing the new debt to avoid high-interest charges that can quickly negate any rewards you earn. This means weighing the benefits of a credit card against paying with cash or using a "buy now, pay later" (BNPL) service, which may offer a more structured, interest-free repayment plan. Ultimately, the best approach is one that aligns with your budget and ensures you can comfortably afford the purchase without compromising your financial stability.

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Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Does Peloton count as a streaming service for credit card rewards?

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It depends on the credit card issuer and how they code the transaction. Some issuers may categorize Peloton as a streaming service, while others might classify it as a general fitness or subscription expense.

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Can I use my credit card rewards to pay for my Peloton membership?

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Yes, many credit card rewards programs allow you to redeem points or cash back for a statement credit. This can effectively offset the cost of your monthly Peloton membership fee.

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Are there any co-branded Peloton credit cards?

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Currently, Peloton does not offer its own co-branded credit card. You can, however, use a variety of general rewards credit cards to earn points or cash back on your membership and equipment purchases.

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