Best Wellness Enthusiasts Credit Cards 2025
Karl says, “If you prioritize self-care and wellness, these cards offer premium benefits to enhance your lifestyle. The Chase Sapphire Reserve® covers Calm Premium, Lifeforce diagnostics, and a $600 Prenuvo MRI credit—great for those invested in mental and physical well-being. The Amex Platinum provides a $300 wellness credit for gyms, spas, and wellness apps, supporting an active lifestyle. The Venture X includes a $300 travel credit and lounge access, perfect for wellness-focused travelers seeking relaxation and rejuvenation.”
Search by categories
Key offer
– Free Calm Premium membership (full $69.99 statement credit for Reserve cardholders) Ends May 31, 2025.
– $300 statement credit on a Lifeforce one‑time diagnostic (with a $599 spend) This is a 50% savings. Ends May 31, 2025.
Read more
– $600 statement credit on a Prenuvo full‑body MRI scan (for spends of $2,499 or more; Reserve only). Ends May 31, 2025.
– $300 annual travel credit for bookings through Chase Travel
Welcome offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual fee
$550
Discover premium credit cards that elevate your wellness journey with exclusive spa access, fitness memberships, and health-focused benefits. Our expert analysis reveals the best cards for those prioritizing wellness and self-care.
Card Rewards
• 10X points on hotels and car rentals through Chase travel portal.
• 10X points on Peloton gear.
• 5X points back on Lyft rides until Sep 30, 2027.
• 5X points on flights through Chase travel portal.
• 3X points on other travel and dining.
• 1X points per $1 on all other purchases.
Premium Benefits
• Travel Credits
– $300 annual travel credit for bookings through Chase Travel
– $10 lyft credit each month until 09/30/2027. Terms Apply
• Comprehensive travel insurance including trip cancellation/interruption (up to $10,000 per person), trip delay reimbursement (up to $500), and lost baggage coverage
– Primary auto rental collision coverage up to $75,000
• Premium Travel Perks:
– Complimentary Priority Pass lounge access (over 1,300 airport lounges worldwide)
– Up to $120 statement credit for Global Entry, TSA PreCheck, or NEXUS
Minimum Qualifications
– Chase won’t approve you for this card if you have the Sapphire Preferred or if you have opened this card in the last 48 months. If you want to apply for this card and currently have the Sapphire Preferred, you can call Chase to downgrade it to a Freedom Unlimited. After three days, you can apply for this card.
– Recommended Credit Score – Excellent credit is recommended, typically a FICO score of 740 or higher.
– You cannot open this card if you have opened 5 personal card from any card issuer in the last 24 months.
– Multiple recent credit inquiries may affect approval odds; a strong credit profile can mitigate this impact.
Key offer
$300 Statement Credit Per Year – Use it for either an Equinox membership/Equinox+ subscription (Enroll here) or a SoulCycle At-Home Bike (requires a 12-month Equinox+ membership) (Shop here). Only one option per year.
Read more
• Integrated Wellness & Lifestyle Ecosystem – Access premium benefits designed to support an active, health‑focused lifestyle.
COMING SOON! • $300 Lifestyle/Wellness Credit:
– Replaces the old Equinox and SoulCycle credits.
– Provides up to $25 back each month for eligible spending at gyms, spas, wellness apps, and similar services.
Welcome offer
Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
Annual fee
– $695 for the primary cardholder.
– No additional fee for up to three authorized users; $175 for each additional authorized user thereafter.
Disclosure: The Cards Guy partners with credit card issuers to provide information on their products. We may earn commissions from these issuers. The content on this page is independent and has not been provided, reviewed, approved, or endorsed by the companies mentioned. The opinions expressed are solely those of the author. American Express is a The Cards Guy advertiser.
Best for: Fitness Enthusiasts. Expert Take: Superior gym partnerships and fitness class access. Strong Equinox relationship.
Card Rewards
• 5X Points on flights booked directly with airlines or through American Express Travel (up to $500,000 per calendar year).
• 5X Points on prepaid hotels booked at amextravel.com, including The Hotel Collection.
• 1X Point on all other eligible purchases. Terms and limitations apply.
Premium Benefits
• Extensive Travel Perks – Complimentary access to the American Express Global Lounge Collection, Priority Pass™ Select, Delta Sky Club® visits, and The Centurion Lounge.
• Premium Lifestyle Credits – Annual credits include $200 Hotel Credit, $240 Digital Entertainment Credit, $155 Walmart+ Credit, $200 Uber Cash, and $200 Airline Fee Credit.
Read more
• Exclusive Event Access – Invitations to curated premium events and unique dining or entertainment experiences.
• Additional Services – Enjoy benefits like CLEAR® Plus Credit and dedicated concierge support.
• Rewards Structure – Earn 5X Membership Rewards® points on flights (booked directly or via Amex Travel) and prepaid hotels, 1X on all other purchases; plus, earn 80,000 Membership Rewards® points after spending $8,000 in the first 6 months.
Minimum Qualifications
– Max cards allowed: Up to 5 credit cards with Amex; charge cards like Platinum do not count toward this limit.
– You can have multiple Amex charge cards
– More than 6 inquiries may reduce chances but Amex is often flexible.
– Recommended credit score: 700+
Key offer
• $300 Capital One Annual Travel Credit – Can be applied toward wellness-related travel such as spa resorts, wellness retreats, and healthy vacation getaways.
• Premium Lounge Access – Enjoy access to Capital One’s own lounges and over 1,300 Priority Pass™ partner lounges that offer a quiet, rejuvenating environment.
Welcome offer
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening
Annual fee
$395
Best for: Spa Aficionados. Expert Take: Exceptional spa network and treatment credits. Excellent booking platform.
Card Rewards
• 10X miles for each dollar spent on Capital One Travel hotel and rental car bookings.
• 5X miles for each dollar spent on Capital One Travel flight bookings.
• 2X miles for each dollar spent on all other purchases.
Premium Benefits
• Elevated Luxury Stays – Benefit from Premier Collection and Lifestyle Collection hotel perks, including on‑site spa services, fitness centers, and healthy dining options.
• Flexible Miles Redemption – Redeem miles toward travel experiences tailored to your health and wellness needs, or transfer miles to partner loyalty programs for broader wellness opportunities.
• Comprehensive Travel Protections – Robust travel insurance and protections help ensure a stress‑free wellness getaway.
Minimum Qualifications
– Recommended Credit Score – Excellent credit is recommended, typically a FICO score of 740 or higher. —
– Eligibility if Holding Other Cards – Approval may be influenced by the number of existing Capital One cards and recent application history.
– Impact of Credit Inquiries (Last 12 Months) – Multiple recent credit inquiries may affect approval odds; a strong credit profile can mitigate this impact.
Pro Tips
Fitness Benefit Optimization
- Stack membership credits across cards
- Utilize partner location benefits
- Combine with loyalty programs
- Track class booking credits
Spa Access Strategy
- Book during bonus periods
- Use multiple booking channels
- Stack treatment credits
- Leverage seasonal promotions
Health Benefit Integration
- Coordinate insurance benefits
- Utilize preventive care credits
- Maximize telehealth services
- Track wellness rewards