Best Cards for Equinox

Luxury fitness company.

Technical Note: Equinox transactions typically report under MCC codes: 7997. This helps determine which card multiplier applies.

Ranked Card Rewards at Equinox

Card	Rate	Cash / $100 ? Liquidation floor for this currency (Statement credit/Bank deposit).	Credits/mo	Network Perk	Why it Wins
Centurion Card from American Express	1x Amex Points	$0.60	$250.00	—	Credit + Base Rate
Amex Blue Cash Preferred	1x Cash	$1.00	$10.00	—	Credit + Base Rate
Amex Hilton Honors Business Card	3x Hilton Points	$3.00	—	—	Base Rate
Hilton Honors American Express Aspire Card	3x Hilton Points	$3.00	—	—	Base Rate
Amex Hilton Honors	3x Hilton Points	$3.00	—	—	Base Rate
Hilton Honors American Express Surpass Card	3x Hilton Points	$3.00	—	—	Base Rate
IHG One Rewards Premier Business Credit Card	3x Ihg Points	$3.00	—	—	Base Rate
IHG One Rewards Premier Credit Card	3x Ihg Points	$3.00	—	—	Base Rate
Robinhood Gold Card	3x Cash	$3.00	—	—	Base Rate
Amex Graphite® Business Cash Unlimited Card	2x Cash	$2.00	—	—	Base Rate
Amex Marriott Bonvoy Business Card	2x Marriott Points	$2.00	—	—	Base Rate
Marriott Bonvoy Bevy American Express Card	2x Marriott Points	$2.00	—	—	Base Rate
Marriott Bonvoy American Express Card	2x Marriott Points	$2.00	—	—	Base Rate
Marriott Bonvoy Brilliant American Express Card	2x Marriott Points	$2.00	—	—	Base Rate
World of Hyatt Business Credit Card	2x Hyatt Points	$2.00	—	—	Fitness, Transit Category
Ink Business Premier® Credit Card	2x Cash	$2.00	—	—	Base Rate
World of Hyatt Credit Card	2x Hyatt Points	$2.00	—	—	Transit, Fitness Category
IHG One Rewards Traveler Credit Card	2x Ihg Points	$2.00	—	—	Base Rate
Marriott Bonvoy Bold® Credit Card	2x Marriott Points	$2.00	—	—	Base Rate
Marriott Bonvoy Boundless® Credit Card	2x Marriott Points	$2.00	—	—	Base Rate
Marriott Bonvoy Bountiful™ Credit Card	2x Marriott Points	$2.00	—	—	Base Rate
Amex Cash Magnet	2x Cash	$1.50	—	—	Base Rate
Chase Freedom Unlimited®	2x Chase Points	$1.50	—	—	Base Rate
Chase Ink Business Unlimited®	2x Chase Points	$1.50	—	—	Base Rate
Amex Blue Cash Everyday	1x Cash	$1.00	—	—	Base Rate
Amex Blue Business Cash Card	1x Cash	$1.00	—	—	Base Rate
Amex Delta SkyMiles® Gold Business Card	1x Delta Miles	$1.00	—	—	Base Rate
Amex Delta SkyMiles® Platinum Business Card	1x Delta Miles	$1.00	—	—	Base Rate
Amex Delta SkyMiles® Reserve Business Card	1x Delta Miles	$1.00	—	—	Base Rate
Amex Delta SkyMiles Blue	1x Delta Miles	$1.00	—	—	Base Rate
Amex Delta SkyMiles Gold	1x Delta Miles	$1.00	—	—	Base Rate
Amex Delta SkyMiles Platinum	1x Delta Miles	$1.00	—	—	Base Rate
Delta SkyMiles Reserve American Express Card	1x Delta Miles	$1.00	—	—	Base Rate
Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley	1x Cash	$1.00	—	—	Base Rate
Chase Aeroplan® Credit Card	1x Aeroplan Points	$1.00	—	—	Base Rate
Amazon Prime Visa	1x Cash	$1.00	—	—	Base Rate
Amazon Visa	1x Cash	$1.00	—	—	Base Rate
Ink Business Cash® Credit Card	1x Chase Points	$1.00	—	—	Base Rate
Ink Business Preferred® Credit Card	1x Chase Points	$1.00	—	—	Base Rate
Southwest® Rapid Rewards® Performance Business Credit Card	1x Southwest Points	$1.00	—	—	Base Rate
Southwest® Rapid Rewards® Premier Business Credit Card	1x Southwest Points	$1.00	—	—	Base Rate
United℠ Business Card	1x United Miles	$1.00	—	—	Base Rate
United Club℠ Business Card	1x United Miles	$1.00	—	—	Base Rate
Disney® Inspire Visa® Card	1x Disney Rewards Dollars	$1.00	—	—	Base Rate
Disney® Premier Visa® Card	1x Disney Rewards Dollars	$1.00	—	—	Base Rate
Disney® Visa® Card	1x Disney Rewards Dollars	$1.00	—	—	Base Rate
DoorDash Rewards Mastercard®	1x Cash	$1.00	—	—	Base Rate
Chase Freedom Flex℠	1x Chase Points	$1.00	—	—	Base Rate
Instacart Mastercard®	1x Cash	$1.00	—	—	Base Rate
Chase Sapphire Preferred	1x Chase Points	$1.00	—	—	Base Rate
Chase Sapphire Reserve®	1x Chase Points	$1.00	—	—	Base Rate
Southwest Rapid Rewards® Plus Credit Card	1x Southwest Points	$1.00	—	—	Base Rate
Southwest Rapid Rewards® Premier Credit Card	1x Southwest Points	$1.00	—	—	Base Rate
Southwest Rapid Rewards® Priority Credit Card	1x Southwest Points	$1.00	—	—	Base Rate
United Club℠ Infinite Card	1x United Miles	$1.00	—	—	Base Rate
United℠ Explorer Card	1x United Miles	$1.00	—	—	Base Rate
United Gateway℠ Credit Card	1x United Miles	$1.00	—	—	Base Rate
United Quest℠ Card	1x United Miles	$1.00	—	—	Base Rate
Citi Prestige Card	1x Thankyou Points	$1.00	—	—	Base Rate
The Blue Business Plus Credit Card from American Express	1x Amex Points	$0.60	—	—	Base Rate
Amex Business Gold Card	1x Amex Points	$0.60	—	—	Base Rate
Business Green Rewards Card from American Express	1x Amex Points	$0.60	—	—	Base Rate
Amex Business Platinum Card®	1x Amex Points	$0.60	—	—	Base Rate
Amex EveryDay	1x Amex Points	$0.60	—	—	Base Rate
Gold Rewards Card	1x Amex Points	$0.60	—	—	Base Rate
Amex Green Card	1x Amex Points	$0.60	—	—	Base Rate
Amex Platinum Card	1x Amex Points	$0.60	—	—	Base Rate

How we calculate this

We join merchant transaction data (MCCs) with card reward structures to find the highest effective yield. For points programs, we assume a live valuation (e.g., 1 cent per Chase point) to provide a comparable “Cash Value” metric.

Suggested Merchant Category Codes (MCC)

The following categories are typically used by payment networks (Visa, Mastercard, Amex) to classify this merchant. These codes determine the reward yield for specific credit cards.

● MCC-7997 ISO 18245

Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses

private golf courses, boating and yacht clubs, Clubs - Boating swimming clubs, tennis clubs, bowling leagues, riding Clubs - Gun clubs, shooting and gun clubs, and racquetball clubs, and may also provide spa services Clubs - Racquetball Clubs - Sailing MCC Clubs - Sports Clubs - Tennis Clubs - Yacht Country Clubs Exercise Clubs Fitness Clubs Health Clubs Private Golf Courses