Paceline

Paceline is built for cardholders whose spending lines up with health and wellness, especially gym memberships, sporting goods, groceries, and drugstores. It works best as a specialist cash-back card you pair with other cards, not as your only everyday card.

Annual Fee

$60

Rec. Credit Score

Good

Good For

Wellness-focused spenders

How to Apply Estimate your value

All information about Paceline has been collected independently by MaxRewards. Paceline is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Paceline worth it?

This card is great for...

Gym memberships

Grocery and drugstore spending

Sporting goods purchases

This card is worth a look if you regularly spend in its 5% categories and want simple cash back without tracking points or transfer partners. For someone with ongoing gym costs and steady grocery or drugstore spending, the elevated earn rates can make the card useful despite the $60 annual fee.

The limitation is that there are no listed benefits to help offset that fee, and the card only earns 1% outside its bonus categories. If your spending does not consistently hit those 5% areas, or if you want broader value from travel perks, credits, or a stronger everyday return, this is a narrow fit.

MaxRewards Verdict

Paceline makes the most sense for a spender who can lean hard on its 5% wellness and household categories. If that is not where most of your spending goes, the annual fee is harder to justify.

Earning

Rewards

Paceline keeps the rewards story straightforward: strong cash back in a small set of categories, then 1% everywhere else. The key question is not how many categories it has, but whether these are categories you use often enough to make the card a regular part of your wallet.

CategoryRate

Drugstore

Grocery

Gym

Sporting Good

Everywhere

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing