Best Credit Card for Peloton in 2026
Peloton is classified under MCC 7997 (Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses). The best card for Peloton purchases is the Custom Cash (no annual fee), earning 5x on membership clubs (sports, recreation, athletic), country clubs, and private golf courses — an effective return of 5.00%.
If you're a fitness enthusiast who frequents places like Peloton, the Sports and Recreation category is crucial for maximizing your rewards.
To really boost your rewards, sign up for automatic payments on your membership to ensure consistent high-tier earning.
Peloton purchases are classified under MCC 7997 (Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses). If you spend frequently here, see our best cards for entertainment.
MCC Details for Peloton
Best Credit Cards for Peloton (2026)
How Peloton Codes on Your Statement
When you pay at Peloton at their locations, your card issuer sees MCC 7997 in the transaction data. This code tells your bank that the purchase was made at a membership clubs (sports, recreation, athletic), country clubs, and private golf courses merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "membership clubs (sports, recreation, athletic), country clubs, and private golf courses" purchases, Peloton transactions will qualify — even if your card terms only mention a category name and not Peloton specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Peloton transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 7997 qualifies for bonus rewards.
Bonus Category Match — Peloton
About MCC 7997: Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses
Merchant Category Code 7997 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 7997, all qualifying card programs that include membership clubs (sports, recreation, athletic), country clubs, and private golf courses as a bonus category will apply the elevated earn rate.
The Entertainment industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses merchants: 24 Hour Fitness, Anytime Fitness, Athletic Club of the Rockies.
What You Could Earn at Peloton
Spending $200/month at Peloton with the Custom Cash (5x on membership clubs (sports, recreation, athletic), country clubs, and private golf courses) earns approximately $120/year in rewards. A basic 1% card earns $24 on the same spending. That is $96 more per year with no annual fee.