You've surely heard about credit cards that earn you cash back or airline miles. But did you know that some rewards credit cards can benefit your body, too? A number of major credit card issuers, including American Express and Discover have reward credit cards that make it even easier to be a health and fitness enthusiast.
Financial health first
Personal finance columnist Liz Weston says there's no credit card reward rich enough or "healthy" enough to offset the cost of carrying credit card debt. "When you're carrying a balance, your primary concern should be getting the lowest possible interest rate so you can get out of debt faster," she says.
But when you're in the good habit of paying your balance in full every month, you could consider one that will reward another of your good habits - taking care of yourself with spa treatments, diet and exercise, Weston says.
Whether you're into skin, health and fitness products, joining a gym or taking fitness classes, here are some of the best credit cards that reward healthy lifestyles:
Discover Card healthy benefits
With credit cards from Discover, you can:
- Earn anywhere from 5 percent to 20 percent cash-back bonus rewards by making purchases through its online shopping portal, ShopDiscover, which features top-of-the-line fitness retail partners such as Nike, Under Armour and Sports Authority.
"If Discover card members are looking to buy fitness products at brand name stores, they should absolutely check out Discover.com to see if they could be earning an additional cash-back bonus by shopping for the item online," says spokeswoman Katie Henry.
American Express workout rewards
American Express cardholders can use their membership rewards points to buy health and fitness items such as:
- Workout accessories including heart monitors and balance balls
- Home gym equipment such as treadmills and exercise bikes
- Spa gift cards from SpaFinder and Red Door Spas
Healthy choices for credit cards
Paying off your balances in full each month is a good habit. So is diet and exercise to maintain a healthy weight and stay active. You can combine your two good habits by using your rewards credit card to promote your own health.