Yes, Planet Fitness accepts credit cards for membership and day passes
Planet Fitness takes Visa, Mastercard, American Express, and Discover at all locations. You can use your credit card to pay your monthly membership fee, sign up for an annual plan, or buy a day pass if you are visiting without a membership. The card is charged on the same day each month — usually the day you joined or the day you chose during signup.
The payment method you choose during signup becomes your default, but you can change it anytime through your Planet Fitness account online or by calling your local club. If your card is declined, Planet Fitness will typically try again a few days later before suspending your membership.
Key Takeaways
- Planet Fitness accepts all major credit cards for monthly memberships, annual plans, and day passes at the point of signup or in person.
- Your monthly charge posts on the same date each month, and you can update your card information online or by phone without visiting the gym.
- If your card is declined, Planet Fitness retries the charge within a few days; repeated failures will suspend your membership until payment clears.
- Using a rewards credit card for your membership can earn you points or cash back on a recurring monthly charge.
- Planet Fitness does not accept payment plans or installment options — only full monthly or annual amounts charged upfront to your card.
Where to enter your credit card information
During your first visit, you will provide your card details at the front desk when you sign up for a membership. The staff member will swipe or manually enter your card and give you a receipt. You do not need to bring your physical card back — the gym stores the information securely in their system.
If you are signing up online through the Planet Fitness website, you will enter your card number, expiration date, and CVV in the membership form before your account is created. The charge will post within one to three business days.
To update your card later — if your card expires, gets replaced, or you want to switch to a different card — log into your Planet Fitness account on their website or mobile app. Go to "Account Settings" or "Billing," then select "Payment Method" and enter your new card details. Changes take effect when ready for your next scheduled charge.
What happens if your card is declined
If your credit card is declined when your monthly membership fee is due, Planet Fitness will not when ready cancel your membership. Instead, the gym will attempt to charge your card again within two to five business days. During this window, you can usually still use your membership.
If the second attempt fails, your account will be suspended. You will not be able to scan your key tag or use the gym until you update your payment method and the charge goes through. Once you add a working card, any past-due balance will be charged, and your membership will reactivate within one business day.
To avoid this, update your card information as soon as you know it will expire or has been compromised. You can do this online anytime without calling the gym.
Using a rewards credit card for your membership
Because your Planet Fitness membership is a recurring monthly charge, it is a good candidate for a rewards credit card. If you use a card that earns 1% cash back or 1 point per dollar spent, your membership will generate rewards every month. A $10 monthly membership would earn $1.20 per year in cash back on a 1% card, and higher-tier cards earning 2% or more would double that.
The key is to choose a card you already use for other purchases, so the rewards add up faster. Putting only your gym membership on a new card will not earn you much. Also check whether your card charges a foreign transaction fee if Planet Fitness processes your payment through an international payment processor — this is rare but worth confirming before signup.
Annual memberships and upfront charges
Planet Fitness offers annual membership plans that charge the full year's fee upfront to your credit card. These plans usually cost less per month than paying monthly, but they require your card to process a larger single charge. For example, an annual plan might cost $60 to $120 depending on your location and membership tier, charged all at once on signup.
If you choose an annual plan and your card is declined, you will not be able to complete signup. You will need to provide a different card or contact Planet Fitness to arrange payment before your membership begins. Once the annual charge posts, you will not be charged again until the year is up, even if your card expires during that time.
Day passes and guest charges
If you do not have a membership but want to visit Planet Fitness once, you can buy a day pass at the front desk using your credit card. The cost varies by location but is typically $10 to $15. The charge posts when ready, and you will receive a receipt with your access code or key tag for that visit.
Some Planet Fitness locations also allow members to bring a guest for free, while others charge a guest fee of $5 to $10 per visit. If your gym charges a guest fee, it will be added to your monthly membership bill and charged to your card on your regular billing date.
Billing issues and disputing charges
If you see a charge on your credit card statement that you do not recognize, or if you were charged after you cancelled your membership, contact your gym's front desk first. Billing errors — like duplicate charges or charges after cancellation — are usually resolved within one business day once the gym reviews your account.
If the gym does not correct the error, you can dispute the charge with your credit card company. Call the number on the back of your card and explain the issue. Your card issuer will investigate and may reverse the charge while they look into it. Keep your cancellation confirmation email or receipt as proof if you cancelled your membership.
Frequently Asked Questions
Can I use a debit card instead of a credit card?
Yes. Planet Fitness treats debit cards the same as credit cards during signup and billing. The charge will post to your bank account instead of a credit line. If your debit card is declined, the same retry process applies.
What if I want to cancel my membership but keep my card on file?
You cannot keep your membership active without a valid payment method on file. When you cancel, your card will no longer be charged. If you rejoin later, you will need to provide a card again during signup.
Does Planet Fitness charge a fee to update my card information?
No. Updating your payment method online or at the front desk is free. There is no charge for changing your card, even if you do it multiple times.
Can I pay my Planet Fitness membership with a prepaid credit card?
Yes, prepaid cards work as long as they are Visa, Mastercard, American Express, or Discover. Make sure your prepaid card has enough balance to cover your membership fee on your billing date, or the charge will be declined.
What if my credit card company flags the charge as fraud?
If your card issuer blocks the Planet Fitness charge as suspicious, your membership will be suspended until you resolve it with your bank. Contact your card company to confirm the charge is legitimate, then update your payment method in your Planet Fitness account. Your membership will reactivate once the charge goes through.