What Citi Credit Cards Offer Gym and Fitness Perks?

Key insights:

• The Citi Strata^℠ Card allows you to select Fitness Clubs as a category to earn 3 ThankYou^® Points per $1 spent
• The Citi Strata Elite^℠ Card and the Citi^® / AAdvantage^® Globe™ Mastercard^® each offer an Annual Splurge Credit that you can use toward eligible brands, including Future Personal Training
• The right card for you depends on how you spend on fitness and how you use rewards

Staying active looks different for everyone. For some, it’s a monthly gym membership. For others, it’s boutique fitness classes, one-on-one personal training or subscriptions to fitness apps and wellness services. However you approach it, those costs can add up quickly, but the right credit card can make a difference, potentially offering discounts or rewards on fitness-related purchases. 

So, what Citi credit cards offer gym and fitness perks? You’ll find a mix of options. Some cards offer statement credits tied to fitness-related brands, while others reward your fitness-related spending through points. 

Rather than focusing on just one type of benefit, Citi offers a range of ways to get more value from your fitness spending. Each card approaches it a little differently, so it helps to look at how the features line up with your routine. 

Citi credit cards with gym and fitness-related perks

Citi takes a flexible approach to fitness-related perks. Instead of offering a standard fitness benefit across all cards, we provide different ways to earn value depending on the card.

Citi Strata^℠ Card

With the Citi Strata^℠ Card, you can pick an eligible Self-Select Category to earn 3 ThankYou^® Points per $1 spent on eligible purchases. Fitness Clubs are a Self-Select Category you can choose. 

You select 1 eligible category at a time, and you can change your selection once per calendar quarter. That flexibility helps you adjust your rewards strategy as your spending shifts throughout the year.

Citi Strata Elite^℠ Card

The Citi Strata Elite℠ Card offers a direct connection to fitness spending through its Annual Splurge Credit℠.  

Cardmembers can receive up to $200 in annual statement credits, with a choice of up to 2 eligible brands. Future Personal Training is one of those eligible options. This gives you the flexibility to apply part or all of that credit toward structured, guided workouts if that’s part of your routine. 

Citi^® / AAdvantage^® Globe^™ Mastercard^®

The Citi^® / AAdvantage^® Globe^™ Mastercard^® also connects to fitness through an Annual Splurge Credit. Cardmembers can receive up to $100 in statement credits each calendar year, with a choice of up to 2 eligible brands, including Future Personal Training. 

This benefit gives you a way to offset the cost of personal training while still earning AAdvantage^® miles on your purchases. It’s a useful option if you want to balance travel rewards with lifestyle spending. 

Tips for maximizing fitness-related credit card rewards

Getting the most from your card goes beyond choosing one with the right features. Planning your spending and adopting some new habits could help you turn fitness spending into rewards.

Match your card to your fitness routine

Think about where you spend the most on fitness. That could be a monthly gym membership, personal training sessions, boutique classes or fitness apps. Choose a card that rewards the type of spending you do most often. 

Confirm how purchases are categorized

Credit card rewards depend on how a merchant is classified, not just what you buy. A gym inside a larger facility, a fitness studio that processes payments through a third party or a wellness app could be coded outside of a “fitness” category. Check how your purchases are categorized and review your card’s eligible merchants so you know which transactions will earn rewards or count toward statement credits.  

Track annual credit deadlines

Statement credits, like the Annual Splurge Credit, reset each calendar year. Mark those deadlines so you remember to use the full value available to you. 

Pay your balance on time

If you carry a balance on your credit card, interest charges can quickly cancel out the value of any rewards you earn. Paying on time helps you keep what you’ve earned and stay on track with your credit.

Revisit your category selections

If your card lets you choose or rotate spending categories, take a moment to update them throughout the year. As your habits change (like switching gyms or trying new classes), adjusting your category helps you keep earning the most rewards where you spend the most. 

How to choose the right Citi card for your fitness routine

Finding the right card comes down to how you approach fitness and how you prefer to earn rewards. Some people benefit most from statement credits tied to specific services like personal training. Others get more value from earning points or cash back on every purchase.

By understanding what Citi credit cards offer in terms of gym and fitness perks, and how those benefits fit into your routine, you can make your everyday wellness spending work a little harder for you.

Gym and Fitness Perks from Citi Cards FAQs

What Citi credit cards offer fitness rewards?

Several Citi credit cards offer value on fitness spending in different ways. The Citi Strata^℠ Card allows you to earn 3 ThankYou^® Points per $1 spent when you select Fitness Clubs as your eligible Self-Select Category, while the Citi Strata Elite^℠ Card and Citi^® / AAdvantage^® Globe^™ Mastercard^® offer Annual Splurge Credits that can be used toward eligible fitness brands.

Can you earn rewards on gym memberships with Citi credit cards?

Yes, depending on the card. Some Citi credit cards allow you to earn points on gym memberships and other fitness-related purchases. The value you earn depends on how your card rewards spending and how the merchant is categorized. 

Do any Citi cards offer credits for personal training?

Yes. The Citi Strata Elite^℠ Card and the Citi^® / AAdvantage^® Globe^™ Mastercard^® offer Annual Splurge Credits that can be applied toward eligible brands, including Future Personal Training.

Do you need to activate categories to earn fitness rewards with a Citi card?

The Citi Strata^℠ Card, requires you to proactively choose “Fitness Clubs” as your eligible Self-Select Category to earn elevated rewards. You can easily update your category selection once per calendar quarter by visiting citi.com/selfselect. Other cards offer flat-rate rewards without activation or category tracking. 

How are fitness purchases categorized for rewards with Citi cards?

Rewards are based on how a merchant is classified, not just the type of purchase. Some fitness-related purchases may be categorized differently depending on how the business processes payments, so it’s helpful to review your transaction details to confirm eligibility.

Disclosure: This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.