Planet Fitness does not require a checking account to join
You can sign up for Planet Fitness using a debit card, credit card, or prepaid card. The gym does not mandate a traditional checking account, and you do not need to provide bank account information during enrollment. However, Planet Fitness does require a valid payment method on file because membership dues are charged monthly, and the gym needs a way to process those charges automatically.
The payment method you choose becomes your recurring billing source. If you use a debit card, the gym will charge it each month on your billing date. If you use a credit card, the charges appear on your credit card statement. Prepaid cards work the same way as debit cards, as long as the card has sufficient funds when the charge processes.
Key Takeaways
- Planet Fitness accepts debit cards, credit cards, and prepaid cards—you do not need a checking account to join.
- Monthly membership fees are charged automatically to whichever payment method you provide at signup.
- If your card declines, Planet Fitness will attempt to retry the charge, and your membership may be suspended if payment fails repeatedly.
- You can update your payment method anytime through your Planet Fitness account online or by calling the gym directly.
- Some Planet Fitness locations may accept cash for initiation fees or annual charges, but you still need a card for monthly billing.
What payment methods Planet Fitness accepts at signup
When you join Planet Fitness, you will be asked to provide a payment method during the enrollment process. The gym accepts Visa, Mastercard, American Express, and Discover. Debit cards tied to these networks work just as well as credit cards. Prepaid cards—including reloadable Visa or Mastercard prepaid options—are also accepted, as long as they carry one of those major network logos.
Some Planet Fitness locations may accept cash for one-time fees like the initiation fee or annual membership charge, but this varies by location. Even if your gym accepts cash for these upfront costs, you will still need to provide a card for the recurring monthly membership fee. Call your local Planet Fitness to ask whether they take cash for initial charges.
How Planet Fitness charges your payment method
Planet Fitness charges your card automatically each month on the same date your membership began. If you joined on the 15th, you will be charged on the 15th of every month. The charge appears as "Planet Fitness" or "PF" on your card statement, depending on your card issuer.
The amount charged depends on your membership tier. The Black Card membership costs more than the basic Planet Fitness membership, and some locations offer additional tiers. Annual charges—such as the Planet Fitness annual fee—are also charged to the same card on the anniversary of your membership start date.
What happens if your card declines
If your card declines when Planet Fitness attempts to charge it, the gym will retry the charge. Planet Fitness typically makes multiple attempts over several days before suspending your membership. During this time, you will usually receive an email or text notifying you that the charge failed and asking you to update your payment method.
If the charge continues to fail and you do not update your card information, your membership will be suspended. You will lose access to the gym until the payment issue is resolved. Once you provide a working card, your membership is usually reactivated within one business day, though you may be charged a late fee depending on your membership agreement.
How to update your payment method
You can change your payment method without canceling your membership. Log into your Planet Fitness account on the gym's website or mobile app, go to your account settings, and select the option to update your billing information. Enter your new card details and save the changes. The new card will be used for your next scheduled charge.
If you prefer not to use the app or website, call your local Planet Fitness location or the corporate customer service line. A staff member can update your payment method over the phone. Have your new card information ready when you call.
Alternatives if you do not have a traditional debit or credit card
If you do not have a standard debit or credit card, a prepaid card is your most straightforward option. You can purchase a prepaid Visa or Mastercard at most grocery stores, pharmacies, or online retailers. Load money onto the card before your membership charge is due, and Planet Fitness will process the payment just as it would with any other card.
Some banks and financial institutions offer second-chance checking accounts or basic checking accounts that come with a debit card, even if you have had banking problems in the past. These accounts often have lower fees and simpler requirements than traditional checking accounts. If you are interested in this route, contact banks in your area to ask about their options.
A few gyms accept alternative payment methods like PayPal or bank transfers, but Planet Fitness does not currently offer these options. Your best bet remains a debit card, credit card, or prepaid card.
Frequently Asked Questions
Can I pay Planet Fitness with cash instead of a card?
Some locations may accept cash for one-time fees like initiation or annual charges, but you will still need a card for monthly billing. Call your local gym to ask what they accept for upfront costs. Monthly membership fees must be charged to a card automatically.
What if my prepaid card runs out of money before my charge date?
If your prepaid card has no funds when Planet Fitness tries to charge it, the charge will decline. Reload your card before your billing date, and contact Planet Fitness to request a retry. You may also update your payment method to a different card to avoid future declines.
Can someone else's card be used for my Planet Fitness membership?
Yes, you can provide another person's card during signup. However, that person's name should match the cardholder name on the card. Planet Fitness may ask for ID verification if the names do not match. Make sure the cardholder agrees to the charges before you sign up.
Will Planet Fitness charge my card if I freeze my membership?
No. When you freeze your membership, Planet Fitness stops charging your card. Your membership is paused, and no monthly fees are deducted. Charges resume when you unfreeze your account. Check your membership agreement for any fees associated with freezing.
What should I do if Planet Fitness keeps charging me after I cancel?
Contact Planet Fitness immediately to confirm your cancellation. Ask for written confirmation of the cancellation date. If charges continue, contact your card issuer and dispute the charges as unauthorized. Keep records of your cancellation request and all communications with the gym.