Fitness studios spend $8K to $30K monthly with most going to equipment and rent. both low-earning categories. Your software and advertising spend can earn 3x to 4x.
Adjust the sliders to match your monthly business spend. Each category shows which card earns the most and why.
These aren't obvious. Nobody in the fitness studios & gyms industry talks about points optimization. Here's what we see over and over.
Rogue, Life Fitness, and Precor orders earn 2x on catch-all card. On a major equipment purchase of $5K+, that's an immediate 10,000+ bonus points. Some studio owners finance equipment at 12%+ when a 0% intro APR business card could cover it interest-free for 12 months.
$5K equipment purchase on the right catch-all card = 10,000 pts + 0% APR for 12 months.
Instagram and Google ads for new member acquisition earn 3x to 4x on the right card. Even $1,500/month earns 54,000 to 72,000 points per year.
$1.5K/month ads at 3.5x = 63K pts/year.
Studio management software may code as a software subscription, earning 4x on the right category card. Small monthly amount, but it compounds with your other digital expenses.
$400/month software at 4x = 19,200 pts/year.
Sole proprietor gyms and studios qualify for business cards. Two applications = 170K+ bonus points in year one, worth $2,500+ in travel. That's a free vacation for opening two credit accounts.
the right business card 100K + the right category card 70K = $2,500+ in travel value.
Every vendor sends a merchant category code (MCC) when you swipe. That code determines your multiplier. The same $5,000 payment earns 5,000 points on the wrong card or 20,000 on the right one. We match every vendor to its highest-earning card.
We've mapped how your vendors code with card networks. Verified, not guessed.
Every bonus category has annual caps. We shift routing before you hit a ceiling and drop to 1x.
Earning is half. We route redemptions to partners where points are worth 2x to 5x more than cash.
Your card stack, routing rules, and redemption strategy are built specifically for your vendors and spend. See what yours looks like.
Same spend. Different strategy. Different outcome.
Hypothetical example for illustration. Actual results vary based on your specific vendors, card products, and redemption choices. This is not financial advice.
No apps to download. No spreadsheets. Just a conversation.
4 questions. Takes 2 minutes.
Cards, balances, credits, programs.
Card stack, routing rules, bonus calendar.
Proactive alerts, weekly digests, strategy.
The same routing intelligence, applied to 20+ verticals. Different vendors, different MCC codes, same rigorous math.
Message us. We'll tell you exactly what your fitness studios & gym business is leaving on the table.
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