Card Optimizer

Best credit card for Life Time

The card that earns the most on a $100 purchase at Life Time, out of the 106 cards we track.

Top pick

U.S. Bank Cash+ Visa Signature

$5.00 on $100

5% back · $0 annual fee

  • 5% cash back on gyms.
  • A category you picked for this card.
  • Counted with Gyms and fitness centers picked as its 5% category.
  • The bonus rate covers up to $2,000 of spend a quarter.
See which of your cards wins at Life Time

Also worth a look

  • Runner-up

    Chase World of Hyatt

    $3.40 on $100

    3.4% back · $95 annual fee

  • Also good

    American Express Blue Business Plus

    $3.00 on $100

    3% back · $0 annual fee

  • Also good

    Robinhood Gold Card

    $3.00 on $100

    3% back · $0 annual fee · needs Robinhood Gold ($50 a year)

See the top 10 at Life Time with rates, fees and why each earns what it does

  1. U.S. Bank Cash+ Visa Signature

    5% back · $0 annual fee

    $5.00 on $100

    • 5% cash back on gyms.
    • A category you picked for this card.
    • Counted with Gyms and fitness centers picked as its 5% category.
    • The bonus rate covers up to $2,000 of spend a quarter.

  2. Chase World of Hyatt

    3.4% back · $95 annual fee

    $3.40 on $100

    • 2x points on gyms.
    • 200 World of Hyatt points valued at 1.7¢ each.

  3. American Express Blue Business Plus

    3% back · $0 annual fee

    $3.00 on $100

    • 2x points base rate.
    • 200 Amex Membership Rewards points valued at 1.5¢ each.

  4. Robinhood Gold Card

    3% back · $0 annual fee · needs Robinhood Gold ($50 a year)

    $3.00 on $100

    • 3% cash back base rate.

  5. Bilt Palladium

    3% back · $495 annual fee

    $3.00 on $100

    • 2x points base rate.
    • 200 Bilt points valued at 1.5¢ each.

  6. Citi Double Cash

    2.8% back · $0 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Citi ThankYou points valued at 1.4¢ each.

  7. Capital One Venture Business

    2.8% back · $95 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.

  8. Capital One Venture Rewards

    2.8% back · $95 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.

  9. Capital One Venture X Business

    2.8% back · $395 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.

  10. Capital One Venture X Rewards

    2.8% back · $395 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.