21 credits · 9 cards · $4,358 a year at face value
Lifestyle, wellness and shopping credits: every card that has one.
Equinox, lululemon, Oura, WHOOP, Walmart+, wholesale clubs, wireless bills and gift-card credits: each pays only at one merchant or category, so the question is whether that charge already appears on your statement. Several are complimentary memberships that count only if you would have paid.
Every card with one, sorted by face value.
| Card | Credit | Per year | Paid out as | Flags |
|---|---|---|---|---|
| Robinhood Platinum Card$695 annual fee | Function Health Membership Complimentary Function Health membership ("$365 value"). Worth it only if you would pay for it. |
$365 | $365 a year, resets on your card anniversary | — |
| American Express Platinum Card$895 annual fee | lululemon Credit US lululemon stores (outlets excluded) and lululemon.com. New in the Sept 2025 refresh. |
$300 | $75 a quarter; unused amounts are lost | — |
| American Express Platinum Card$895 annual fee | Equinox Credit Applied against auto-renewing Equinox club or Equinox+ app charges as billed, capped at $300 per calendar year. |
$300 | $300 a year, resets on the calendar | — |
| American Express Platinum Card for Schwab$895 annual fee | lululemon Credit Schwab Platinum: the same term as the Platinum Card per Amex’s Schwab terms page. US lululemon stores (outlets excluded) and lululemon.com. New in the Sept 2025 refresh. |
$300 | $75 a quarter; unused amounts are lost | unverified |
| American Express Platinum Card for Schwab$895 annual fee | Equinox Credit Schwab Platinum: the same term as the Platinum Card per Amex’s Schwab terms page. Applied against auto-renewing Equinox club or Equinox+ app charges as billed, capped at $300 per calendar year. |
$300 | $300 a year, resets on the calendar | unverified |
| American Express Platinum Card for Morgan Stanley$895 annual fee | lululemon Credit Morgan Stanley Platinum: the same term as the Platinum Card per Amex’s Morgan Stanley terms page. New in the Sept 2025 refresh. |
$300 | $75 a quarter; unused amounts are lost | unverified |
| American Express Platinum Card for Morgan Stanley$895 annual fee | Equinox Credit Morgan Stanley Platinum: the same term as the Platinum Card per Amex’s Morgan Stanley terms page. |
$300 | $300 a year, resets on the calendar | unverified |
| Robinhood Platinum Card$695 annual fee | WHOOP Peak Membership Complimentary WHOOP Peak membership ("$239/year value"). |
$239 | $239 a year, resets on your card anniversary | — |
| American Express Platinum Card$895 annual fee | Oura Ring Credit Hardware at OuraRing.com only: excludes memberships, gift cards, accessories, and third-party retailers. Terms say per calendar year, but coverage describes it as one-time in practice (few people buy a ring yearly). |
$200 | $200 a year, resets on the calendar | unverified |
| Citi Strata Elite$595 annual fee | Splurge Credit Must register at citi.com/splurgecredit and select up to 2 of the listed brands; selections apply from the day chosen, and whether they can be changed mid-year is not clearly documented. AA purchases exclude car rentals, hotels, status boosts, and Cargo; Live Nation/Ticketmaster must be purchased directly on their US sites. Merchant list is the launch list; Citi may rotate brands. |
$200 | $200 a year, resets on the calendar | unverified |
| American Express Platinum Card for Schwab$895 annual fee | Oura Ring Credit Schwab Platinum: the same term as the Platinum Card per Amex’s Schwab terms page. Hardware at OuraRing.com only: excludes memberships, gift cards, accessories, and third-party retailers. Terms say per calendar year, but coverage describes it as one-time in practice (few people buy a ring yearly). |
$200 | $200 a year, resets on the calendar | unverified |
| American Express Platinum Card for Morgan Stanley$895 annual fee | Oura Ring Credit Morgan Stanley Platinum: the same term as the Platinum Card per Amex’s Morgan Stanley terms page. Terms say per calendar year, but coverage describes it as one-time in practice (few people buy a ring yearly). |
$200 | $200 a year, resets on the calendar | unverified |
| Robinhood Platinum Card$695 annual fee | Amazon One Medical Membership Complimentary Amazon One Medical membership ("$199 value"). Worth it only if you would pay for it. |
$199 | $199 a year, resets on your card anniversary | — |
| American Express Platinum Card$895 annual fee | Walmart+ Membership Credit Covers the $12.95/month plan (plus taxes) only; the annual plan and Plus Up add-ons are excluded. Matched on the membership charge (WMT PLUS / Walmart Plus, capped at $15 for $12.95 + tax), never bare "Walmart": the + normalizes away and every Walmart run matched. |
$155 | $13 a month; unused amounts are lost | use it monthly |
| American Express Business Gold$375 annual fee | Walmart+ Membership Credit Covers the $12.95/month plan (plus taxes) only; the annual plan and Plus Up add-ons are excluded. Same structure as the consumer Platinum version; requires the membership to auto-renew on the card. Matched on the membership charge (WMT PLUS / Walmart Plus, capped at $15 for $12.95 + tax), never bare "Walmart": the + normalizes away and every Walmart run matched. |
$155 | $13 a month; unused amounts are lost | use it monthly |
| American Express Platinum Card for Schwab$895 annual fee | Walmart+ Membership Credit Schwab Platinum: the same term as the Platinum Card per Amex’s Schwab terms page. Covers the $12.95/month plan (plus taxes) only; the annual plan and Plus Up add-ons are excluded. Matched on the membership charge (WMT PLUS / Walmart Plus, capped at $15 for $12.95 + tax), never bare "Walmart": the + normalizes away and every Walmart run matched. |
$155 | $13 a month; unused amounts are lost | use it monthly unverified |
| American Express Platinum Card for Morgan Stanley$895 annual fee | Walmart+ Membership Credit Morgan Stanley Platinum: the same term as the Platinum Card per Amex’s Morgan Stanley terms page. Matched on the membership charge (WMT PLUS / Walmart Plus, capped at $15 for $12.95 + tax), never bare "Walmart": the + normalizes away and every Walmart run matched. |
$155 | $13 a month; unused amounts are lost | use it monthly unverified |
| American Express Business Platinum$895 annual fee | Wireless Credit $10/month against direct US wireless-provider charges, among the most reachable credits on the card. |
$120 | $10 a month; unused amounts are lost | use it monthly |
| Chase Sapphire Reserve for Business$795 annual fee | giftcards.com Credit "Up to $50 in statement credits January through June and up to $50 July through December" at giftcards.com/reservebusiness. |
$100 | $50 twice a year; unused amounts are lost | ends 2028-10-31 |
| Barclays Wyndham Rewards Earner Business Card$149 annual fee | $65 Wholesale Club Membership Credit "Enjoy an annual $65 statement credit on eligible Wholesale Member clubs": the membership charge, not warehouse purchases. |
$65 | $65 a year, resets on your card anniversary | unverified |
| Robinhood Platinum Card$695 annual fee | Robinhood Gold Membership Complimentary Robinhood Gold ($50/yr) for cardholders. Worth it only if you would pay for Gold, which a Gold Card holder upgrading already does. |
$50 | $50 a year, resets on your card anniversary | — |