The card offers a baseline rate of 2.5% cash back on all health and wellness categories (which includes gym memberships, fitness equipment and apparel, grocery and drug stores) and 1.5% cash back on all other purchases. However, if you are able to meet Paceline’s fitness requirements, a minimum of logging 150 minutes per week at an elevated heart rate and allowing the Paceline app to track that activity via your device, your rewards will be automatically doubled for that week, meaning you’ll earn a total of 5% cash back on health and wellness categories and 3% cash back on all other purchases.
Rewards come in the form of cash back, redeemed automatically to your account every day. The rate depends on how much you exercise. There is no limit to how much you can earn,
Additionally, it is possible to use your weekly fitness streaks–generated from consistently hitting your exercise goals– to earn bonus rewards in the form of gift cards and/or discounts from over 200 fitness brands through the Paceline app.
To determine the rewards potential of the Paceline Credit Card*, Forbes Advisor uses data from various government agencies in order to determine both baseline income and spending averages across various categories. The 70th percentile of wage-earning households brings in $100,172 annually and has $52,820 in standard expenses. Assuming 50% of such expenses are charged to this card, total annual card spending would be $26,410.
Our sample household spends $5,687 on groceries, plus $978 at drugstores and $825 on gym memberships. Assuming they hit their fitness goals, this will net 37,450 points worth $374.50. Otherwise, at the standard earn rate, this will net 18,725 points or $187.25.
Our sample household spends an additional $18,920 worth 56,760 points if they hit their goals, and 28,380 if not. This means that a cardholder who hits their fitness goals will receive in total 94,210 points per year worth $942.10 cash back. Otherwise, at the standard earn rate they will get 48,105 points, or $471.05 cash back.