Plus: the best credit cards to use at 24 Hour Fitness for maximum rewards in 2026.
By PointsPick Team, Credit Card Research Team · Updated April 2026
24 Hour Fitness uses MCC code 7997 (Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses). The best credit card is the Custom Cash, earning 5x rewards on this category.
24 Hour Fitness transactions are processed under MCC 7997 (Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses, category: entertainment). These cards earn the highest rewards:
| Card | Earning Rate | Annual Fee | Issuer | |
|---|---|---|---|---|
| Custom Cash | 5x | No annual fee | Citi | Apply Now |
| World of Hyatt | 2x | $95/yr | Chase | Apply Now |
Rates and fees as of April 2026. Verify with issuer before applying.
24 Hour Fitness uses MCC code 7997, which is classified as "Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses". This determines which credit card bonus categories apply to purchases at 24 Hour Fitness.
The best credit card at 24 Hour Fitness is the Custom Cash, which earns 5x points/miles on purchases coded as MCC 7997 (Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses).
24 Hour Fitness uses MCC 7997 (Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses). This means purchases at 24 Hour Fitness do NOT qualify for grocery credit card bonuses, which require MCC 5411 (Grocery Stores and Supermarkets).