What the YourFit card is and how it processes payments
The YourFit card is a payment method that some fitness facilities and membership programs accept as an alternative to traditional credit or debit cards. When you use a YourFit card to pay for a gym membership or fitness services, the payment processes through YourFit's payment system rather than directly through your bank or card issuer. This means the transaction appears on your statement as a YourFit charge, and the funds route through their processing network before reaching the facility.
The card itself functions like a prepaid or linked payment card — you load funds onto it, set it up with your membership account, or authorize recurring charges. The exact mechanics depend on whether your gym or fitness provider has partnered with YourFit's payment platform. Not all fitness facilities use YourFit; you'll only see this option if your specific gym or program has integrated it into their billing system.
Payments typically process on a schedule you set during signup — usually monthly for membership dues, though some facilities allow weekly or annual billing. The card stores your payment information securely so you don't have to re-enter it each time your membership renews.
Key Takeaways
- The YourFit card is only available if your gym or fitness facility has partnered with YourFit's payment system.
- Payments process on a recurring schedule you choose during setup, most commonly monthly.
- The charge appears on your statement as a YourFit transaction, not directly from your gym.
- You can usually update or cancel the card through your membership account online or by contacting your facility.
- If a payment fails, contact your gym's billing department first, as they manage the membership side of the transaction.
Setting up YourFit card payments for your membership
To set up a YourFit card payment, you'll need to link it to your membership account during signup or through your account settings. Most gyms that use YourFit allow you to add the card information directly on their website or mobile app. You'll provide the card number, expiration date, and billing address — the same information you'd enter for any online payment.
Once linked, the card becomes your default payment method for that membership. Your gym will charge it on the date your membership renews. If you have multiple memberships or family accounts, each one may need its own payment method set up, depending on how your facility structures their billing.
During setup, confirm the billing frequency and amount. Most facilities show you exactly when the next charge will occur and how much it will be. This is the time to catch any errors before the first payment processes.
What happens if a YourFit card payment fails
If a payment fails — because the card expired, funds were insufficient, or the card was reported lost — your gym's billing system typically attempts to retry the charge. Many facilities retry failed payments once or twice over several days before suspending your membership. The exact retry schedule depends on your gym's policy.
When a payment fails, you'll usually receive an email or notification from your gym, not from YourFit directly. The message will tell you to update your payment method. Log into your membership account and replace the card information with a valid card, or contact your gym's billing department to resolve it manually.
If your membership is suspended due to non-payment, you may lose access to the facility when ready. Reactivation usually happens within hours of a successful payment, though some gyms require you to contact them to restore access.
Updating or removing your YourFit card
To change your YourFit card, log into your membership account on your gym's website or app and navigate to the payment method or billing section. You'll see your current card listed — usually with the last four digits visible. Select the option to edit or replace it, then enter the new card details.
If your card is expiring soon, update it before the expiration date to avoid a failed payment on your next billing cycle. Most gyms send reminders when a card is about to expire, but don't rely on this — check your account yourself a week or two before the date.
To remove the YourFit card entirely, you'll need to either cancel your membership or switch to a different payment method. Most facilities require at least one valid payment method on file at all times. If you want to pause your membership instead of canceling, contact your gym directly — they may allow a temporary hold without requiring a payment method.
Disputing a YourFit card charge
If you see a charge you don't recognize or believe was processed in error, start by contacting your gym's billing department. They can confirm whether the charge was legitimate, check if it was a duplicate, or process a refund if it was a mistake on their end. Keep your membership account number and the transaction date handy when you call.
If your gym can't resolve it, you can dispute the charge with your bank or card issuer. Most banks allow you to dispute charges within 60 to 120 days of the transaction. You'll need to explain why you're disputing it — for example, that you canceled your membership but were still charged, or that the amount was incorrect. Your bank will investigate and either reverse the charge or ask for more information from the gym.
Disputing a charge with your bank may temporarily suspend your membership while the investigation is underway. Once the dispute is resolved in your favor, your gym may require you to update your payment information before reactivating your account.
YourFit card versus other payment methods at your gym
Most gyms that accept YourFit cards also accept standard credit cards, debit cards, and sometimes bank account transfers. YourFit is straightforward one option — it's not required. The main difference is how the payment processes: a YourFit card routes through their system, while a regular credit card charges directly from your card issuer.
Some people prefer YourFit because it can offer a dedicated payment method separate from their primary cards, which can make tracking gym expenses easier. Others prefer to use their regular credit card for the rewards points or fraud protection their card offers. There's no financial advantage to one method over the other — it's a matter of preference and what your gym supports.
If your gym doesn't offer YourFit, you can still pay with whatever methods they do accept. If you prefer YourFit but your gym doesn't use it, contact your gym's management to ask if they plan to add it in the future.
Frequently Asked Questions
Can I use a YourFit card at any gym?
No. YourFit is only available at gyms and fitness facilities that have partnered with YourFit's payment system. Check your gym's website or ask at the front desk whether they accept YourFit cards. If they don't, you'll need to use whatever payment methods they do support.
What if I want to cancel my membership but keep the YourFit card active?
The YourFit card is tied to your membership account, so canceling your membership will stop the recurring charges. You don't need to remove the card separately. If you want to keep the card for a future membership, contact your gym to ask whether you can pause your account instead of canceling it.
Does using a YourFit card affect my credit score?
No. YourFit card payments are not reported to credit bureaus and do not impact your credit score. They're treated as a recurring payment to a service provider, similar to paying a utility bill with a debit card. Only credit accounts — credit cards, loans, and lines of credit — affect your credit history.
How long does it take for a YourFit payment to process?
Most YourFit payments process within one to three business days. The charge will appear on your statement within that window, though your gym may show the payment as received when ready in your account. If a payment doesn't appear after three business days, contact your gym's billing department.
Can I set up automatic payments with a YourFit card?
Yes. When you link a YourFit card to your membership, the payments are automatic by default. Your gym will charge it on the same date each billing cycle. You can usually turn off automatic payments through your account settings, but doing so may suspend your membership if you don't pay manually before the due date.