Staying on top of your health and wellness can be a challenge and rewarding at the same time. More rewarding when you use the right credit card to make all your health-related purchases. We have rounded up our picks for the best health and wellness credit cards in 2023.
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At A Glance
Rewarding Credit Cards for Health & Wellness
Staying healthy and managing one’s well-being can sometimes be a challenge. The end goal is rewarding. Nonetheless, the journey can be too. Supplement your fitness and your healthy mind with credit card rewards and benefits. These are our top picks for the best health and wellness credit cards in 2023.
KrowdFit Wellness Rewards Mastercard®
KrowdFit Wellness Rewards Mastercard®
KrowdFit Wellness Rewards Mastercard®
- 20.24% to 30.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The KrowdFit Wellness Rewards Mastercard® is a rewards credit card that earns up to 4% cash back on wellness purchases and more, with no foreign transaction fees and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 4% cash back on qualifying health, wellness, medical, and lifestyle partners
- 2% cash back on groceries
- 1% cash back on all other purchases
- Free MyFitnessPal or Calm 1-year Premium Membership
- No foreign transaction fees
- No annual fee
- Regular Purchase APR: 20.24% to 30.24% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37
- You spend a good chunk of change on health and wellness (including medical)
- You want to get rewarded for your healthy lifestyle
- You have an interest in wellness apps like MyFitnessPal or Calm
- You would like cash back for grocery shopping and everyday essentials
KrowdFit Wellness Rewards Mastercard®
The KrowdFit Wellness Rewards Mastercard® caters to the health-conscious person seeking a way to earn rewards for the sweat they put into their well-being. With the KrowdFit Mastercard, you gain the potential to earn cash back for your healthy purchases and access to wellness memberships included for every cardholder.
Get up to 4% cash back on health and wellness purchases, for example, a gym membership, online workout streaming services, and even lifestyle merchants like Under Armor. The card also earns 2% cash back on groceries and 1% back on everything else.
In addition to cash back, joining the KrowdFit app can set you up to win cash prizes for the exercise workouts you log a little more enjoyable if you know you might earn cash for it. All new cardholders also have access to a free 12-month premium membership for the MyFitnessPal app or the Calm app.
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
Citi Custom Cash℠ Card
- 18.99% - 28.99% (Variable) Regular Purchase APR
- 18.99% - 28.99% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
- 0% for 15 months on Purchases Intro Purchase APR
At a Glance
The Citi Custom Cash? Card is a generous cash back credit card that offers up to 5% back on eligible purchases. The card, from Citi, does not charge an annual fee and rewards 5% back on the top spending category each month, with options including transit, travel, gas, groceries, dining, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- Intro Purchase APR: 0% for 15 months on Purchases
- Regular Purchase APR: 18.99% - 28.99% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
- Balance Transfer APR: 18.99% - 28.99% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 5% back but do't want quarterly categories
- You plan on spending $1,500 within the first 90 days
- You have a large purchase in mind that you want to pay down over time
- You plan on transferring an existing balance within the first four months
- You don’t want to pay an annual fee
Citi Custom Cash℠ Card
While considering the Citi Custom Cash℠ Card, you may not automatically think about health and wellness. However, the Custom Cash card is a powerful financial tool that can earn you plenty of cash back on health-related purchases. A good example is its ability to earn cash back on your highest spend category.
There are nine eligible 5% cash back categories, including drugstores, fitness clubs, grocery stores, and dining. Simple everyday purchases can earn you 5% cash back, like when you grab a healthy lunch or do your weekly grocery shopping for nutritious meals.
The Custom Cash also earns cardholders 1% cash back on all other purchases, so you’re still earning cash back even on any other health-related purchases like virtual home services for home exercise or fitness streaming classes.
Chase Freedom Unlimited®
Chase Freedom Unlimited®
Chase Freedom Unlimited®
- 19.74% to 28.49% Variable Regular Purchase APR
- 19.74% to 28.49% Variable Balance Transfer APR
- 29.49% Variable Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
The Chase Freedom Unlimited® credit card is a reliable option for customers looking to pair an attractive cash back rewards program with generous introductory interest rates. Cardholders can redeem for cash, travel, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit, or direct deposit into most U.S. checking and savings accounts. Cash back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 19.74% to 28.49% Variable
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 19.74% to 28.49% Variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 29.49% Variable
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% Variable
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- You are looking for a low-rate credit card to perform a balance transfer
- You prefer straightforward rewards earnings rather than quarterly categories requiring activation
- You'll make at least $500 in purchases in the first 90 days
- You do't want to pay an annual fee
Chase Freedom Unlimited®
Our best health and wellness credit cards list includes the Chase Freedom Unlimited®. Known for its cash back benefits and low introductory rate offers, Freedom Unlimited can cater to anyone on their health-kick journey. Sure, the card earns 5% cash back on travel purchases through Chase Unlimited Rewards, but it also gets 3% back on dining and drugstore purchases.
The 3% cash back category can be rewarding for healthy dining or your drugstore needs, like medications, vitamins, women’s health products, and more. In addition to the cash back rewards, new cardmembers also get access to partner benefits like Doordash and Instacart, likewise Lyft, an option for a ride to your next doctor’s appointment.
Upgrade Triple Cash Rewards Visa®
Upgrade Triple Cash Rewards Visa®
Upgrade Triple Cash Rewards Visa®
- 14.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.99% to 29.99% Balance Transfer APR
At a Glance
The Upgrade Triple Cash Rewards Visa® offers no fees, low rates, cash back, and credit lines up to $25,000 in one unique package. The card provides the flexibility and predictability consumers need to pay down balances and get debt-free quickly.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- 3% unlimited cash back on every purchase in Home, Health, and Auto categories
- No annual fee
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
- Up to 10% cash back from your favorite brands with Upgrade Shopping
- No touch payments with contactless technology built in
- See if you qualify in seconds with no impact to your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
- Regular Purchase APR: 14.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.99% to 29.99%
- Balance Transfer Transaction Fee: Up to 5%
- Foreign Transaction Fee: Up to 3%
- You struggle to pay off your credit card balances
- You want to earn up to 3% cash back on purchases
- You can reliably pay off your statement balances to earn cash back for your purchases
- You have a desire to get debt-free quickly
- You don’t want to pay an annual fee
Upgrade Triple Cash Rewards Visa®
When your well-being is on your mind, you start making healthier purchases. Make those purchases with a card like the Upgrade Triple Cash Rewards Visa®. The Upgrade Triple Cash earns unlimited 3% cash back on home, auto, and health categories, including 1% back on all other purchases. However, the Triple Cash Rewards Visa shines in its broad health category, which can benefit a health-conscious cardholder.
Due to the health category’s expansive nature, the rewards might stack up high. The 3% cash back health category counts towards health and beauty spas, gym memberships, exercise equipment, and more. Some merchant examples include Walgreens, Dick’s Sporting Goods, CVS, and more.
Bilt Mastercard
Bilt Mastercard
Bilt Mastercard
- 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Bilt World Elite Mastercard is a unique rewards credit card from Wells Fargo that lets users earn 1X on monthly rent payments, 3X on travel, 2X on dining, and offers impressive perks including Lyft and DoorDash statement credits – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 1X points on rent payments (up to 50,000 points each calendar year)
- Earn 2X points on travel
- Earn 3X points on dining
- Regular Purchase APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.49%, 24.49%, or 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
- Cash Advance APR: 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You rent and want to earn rewards on your monthly rental payments
- You're a member of Bilt Rewards
- You don’t want to pay an annual fee
Bilt Mastercard
The Bilt Mastercard offers a unique take on earning rewards as card members earn cash back on rent payments. In addition to another earning potential, Bilt lets members redeem points for memberships and classes through Soul Cycle and Y7 Studio, as well as for Rumble. The other option to redeem points is as a statement credit.
If you’re using your Bilt card for everyday purchases like groceries, gym memberships, and anything health and wellness-related, you could use your points to redeem as a statement credit to cover those purchases. In addition to earning 1x points on rent, the Mastercard also earns 3x points on dining and 2x points on travel. Use your card when you dine out for a healthy meal and get rewarded.
Prime Visa
Prime Visa
Prime Visa
- 18.74% to 26.74% variable Regular Purchase APR
- 18.74% to 26.74% variable Balance Transfer APR
- 29.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The Prime Visa offers cardholders impressive rewards on all Amazon.com and Whole Foods purchases, as well as elevated cash back at gas stations, drug stores, restaurants, transit, commuting, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Instant Amazon.com gift card on approval
- Earn 5% Back at Amazon.com and Whole Foods Market with an eligible Prime membership, plus 5% Back on purchases made through Chase Travel.
- Earn 2% Back at restaurants, gas stations, and drugstores, plus 2% Back on local transit and commuting, including rideshare.
- Earn 1% Back on all other purchases
- No foreign transaction fees
- No annual fee
- Regular Purchase APR: 18.74% to 26.74% variable
- Intro Balance Transfer APR: N/A
- Balance Transfer APR: 18.74% to 26.74% variable
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- Minimum Deposit Required: N/A
- You frequently shop at Amazon or Whole Foods
- You have an existing Amazon Prime membership
- You want a card with no foreign transaction fees and Visa concierge services for your travel plans
- You want a flexible rewards program, including savings at gas stations dining
- You want the excellent customer service Amazon is known for
Prime Visa
The Prime Visa makes our list of the best credit cards for health and wellness because it has reward categories you might be interested in for your healthy journey. For starters, the Prime card earns 5% cash back at both Amazon.com and Whole Foods. Best suited for someone who prefers to exercise at home, the Prime Visa can earn you maximum cash back for at-home gym equipment from Amazon.
Amazon.com is an expensive shopping network of various products, including health-related products like gym equipment, exercise clothes, protein, vitamins, and more. All these will earn 5% cash back on purchases from Amazon.com on your Prime account. That is 5% on what could potentially be an expensive piece of gym equipment.
If you typically shop for groceries at Whole Foods, it’s a win-win as your groceries will earn 5% back too. In addition, cardholders earn 2% cash back at drugstores, gas stations, and restaurants. Most recently added to the 2% category are local transit and commuting.
Related Article: The Ultimate Guide to Credit Cards for Groceries & Delivery Services
Featured image by Jacob Lund/Canva
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