Best Credit Card for Retro Fitness in 2026
Retro Fitness is classified under MCC 7997 (Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses). The best card for Retro Fitness 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%.
Membership clubs like Retro Fitness are covered under travel and lifestyle credit cards, making them a prime spot for earning big rewards on your fitness expenses.
To maximize your rewards, sign up for Retro Fitness with the card that offers the best welcome bonus and ongoing perks for travel and lifestyle spending.
Retro Fitness 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 Retro Fitness
Best Credit Cards for Retro Fitness (2026)
How Retro Fitness Codes on Your Statement
When you pay at Retro Fitness 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, Retro Fitness transactions will qualify — even if your card terms only mention a category name and not Retro Fitness specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Retro Fitness 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 — Retro Fitness
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 Retro Fitness
Spending $200/month at Retro Fitness 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.