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Paceline Review

Paceline Card
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Paceline Card
Paceline Card
Danielle Greving
Dec. 14, 2022
3 min read
Danielle Greving author image
Paceline Card Summary
Paceline offers a credit card that rewards you for being active. When you log 150 minutes of elevated heart rate activity in a 
week, hitting your "Streak", you boost your cash back. Customers can earn up to 5% unlimited cash back on eligible health and wellness purchases, and up to 3% unlimited cash back on everything else and cash back is paid out daily. Paceline also offers Card members up to 100% in reimbursements for the latest Apple Watch.


  • 5% cash back on health & wellness; gyms, groceries, gym apparel
  • Up to 100% reimbursement on the latest Apple Watch


  • $60 annual fee
  • Paceline App available exclusively in Apple Store

Paceline Card at a glance

Editorial score


Annual fee, no other fees


Doesn't cover bad credit


FDIC insured, offers multiple security features

Customer service

Multiple communication options, wide range of hours

Online experience

Excellent site and app with detailed FAQs, help center, and transparency of rates and features

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Paceline believes all movement is good movement and however you choose to move, you should be rewarded for it. The Paceline credit card was launched in 2019 by Paceline, a health and wellness platform with an app available on iOS devices. Founded by Joel Lieginger, the company is headquartered in San Francisco, California.

The Paceline credit card is a Visa Signature rewards card. The credit card offers a 18.24% - 32.24%% variable APR, includes a $60 annual fee, and is available to those with good-excellent credit.

Suitable for?

Paceline is perfect for anyone with an active lifestyle or anyone looking to improve their health. The credit card is aimed at those with good-excellent credit, as you typically need a minimum credit score of 670 for your application to be accepted.

Interest Rates and Fees

Annual Fee $60
APR18.24-32.24% (variable)
Cash back rates

2.5% cash back on Health & Wellness purchases; doubles to 5% when you hit your Streak

1.5% cash back on other purchases; doubles to 3% when you hit your Streak

Liability for unauthorized transactions$0

Rewards & Cashback

You can earn 2.5% cash back on qualifying health and wellness-related purchases and 1.5% cash back on all other purchases. If you achieve a Paceline Streak, meaning you hit 150 minutes of exercise in a week (capped at 50 minutes a day), the cash-back rewards double. You’ll be paid out daily for your cash-back rewards. To verify you’re meeting fitness goals, you just need to sync the Paceline app with your smartwatch.

The Application Process

Here’s how to apply for a Paceline credit card:

  1. Click Apply Now here
  2. Click See if you prequalify then Sign up to create an account and then proceed with filling out the credit application. Submit the application by clicking apply to apply for the credit card.
  3. You’ll receive an instant decision regarding preapproval, and if preapproved you may choose to accept by clicking accept offer. Once an offer is accepted, you’ll have immediate access to a virtual card in the Pacline App to start making purchases. Paceline will then send you a physical card.
  4. After approval, download the Paceline App, sign in using the email used during application to access your virtual card. Be sure to sync your wearable with the Paceline App to ensure your activity will be tracked.

Help & Support

Paceline offers a robust Help Center on its website, featuring answers to questions about its credit card and app. 24/7 chat support is available via the website. If you can’t get your question answered via the help center or chat support, then you can submit a ticket to the customer service desk via the website. Paceline aims to get back to customers within 72 hours.


Paceline credit cards are issued by Evolve Bank & Trust, a member of the FDIC, pursuant to a license from Visa® USA, Inc. Paceline uses industry-wide practices to secure and collect data and anonymizes your data so it’s never linked to your name or other personally identifiable information.


Do Paceline rewards expire?

Paceline in-app rewards have an expiration date, so make sure to check each reward’s specific terms to ensure they don’t expire. Cash back gets posted daily and never expires.

What counts for Paceline minutes?

A Paceline minute is defined as any activity that elevates your heart rate, with an intensity equivalent to or greater than a brisk walk.

Why are my Paceline minutes not recording?

Paceline does not allow you to manually record exercise minutes. You must sync the app with your Apple Watch, Garmin, or Fitbit. You can only earn up to 50 Paceline minutes per day.


Paceline is an excellent credit card option for those looking to cash in on their healthy lifestyle, as customers can earn up to 5% cash back on their fitness-related purchases, paid out daily. These purchases include fitness equipment, groceries, pharmacy and drugstore purchases, gym memberships, athletic apparel, and more.


This review was compiled using the Paceline credit card website and the Paceline app. 

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Danielle Greving author image
Written by
Danielle Greving
Danielle is a tech and finance writer with experience in personal finance, cryptocurrency and numerous SaaS companies. Her bylines can be found on MoneyTips, CoinMarketCap, GraniteShares and Top10.com. An avid traveler and former ESL teacher, Danielle's writing blends a wealth of technical and financial knowledge with simple and straightforward explanations for everyday readers.
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