Planet Fitness charges your credit card or bank account on the day your membership renews each month
Planet Fitness pulls the monthly membership fee from whichever payment method you put on file when you signed up. You choose during enrollment whether to use a credit card or a debit card linked to your bank account. Once that choice is made, Planet Fitness charges that same method every month on your renewal date—usually the same day each month that you joined.
The charge appears as "Planet Fitness" or "PF" on your statement. If you want to switch from a credit card to a bank account (or vice versa), you have to update your payment method through your Planet Fitness account online or by calling your home club directly. Planet Fitness does not automatically charge both methods or give you the option to alternate between them.
Key Takeaways
- You pick either a credit card or debit card at signup, and Planet Fitness charges that method every month on your renewal date.
- Changing your payment method requires you to update it in your online account or contact your home club by phone.
- Planet Fitness does not send a reminder before charging you, so mark your renewal date on your calendar if you plan to cancel.
- If a charge fails because the card is expired or closed, Planet Fitness will attempt to charge again, and your membership may be suspended if payment is not collected.
- Disputing a charge with your bank or credit card company does not cancel your membership; you must cancel separately through Planet Fitness.
How to choose your payment method at signup
When you join Planet Fitness in person or online, you will enter payment information before your membership becomes active. The signup form asks for either a credit card or a debit card. You cannot set up both at the same time or choose which one to use each month—you pick one and that is what gets charged.
If you are signing up online, the payment screen will accept Visa, Mastercard, American Express, and Discover. If you use a debit card, it must have a Visa or Mastercard logo. Planet Fitness does not accept bank account transfers (ACH) or checks at signup, only card-based payments.
When Planet Fitness charges your card each month
Your membership renews on the same calendar day every month. If you joined on the 15th, you will be charged on the 15th of every following month. If you joined on the 31st of a month with 31 days, Planet Fitness charges you on the last day of months with fewer days (so the 28th or 29th in February).
The charge typically posts within one to three business days of your renewal date, depending on your bank or credit card company. Planet Fitness does not send an email or text reminder before the charge goes through, so if you plan to cancel, you need to do it before your renewal date arrives.
Changing your payment method
Log into your Planet Fitness account on the website or mobile app and go to your membership or billing settings. You should see an option to update your payment method. Enter your new card information (credit or debit), and the change takes effect immediately. Your next monthly charge will use the new method.
If you cannot find the option online or your account is not set up for online management, call your home club directly. Ask to speak with someone in membership or billing. They can update your payment method over the phone and confirm the change is in the system before you hang up.
What happens if your card is declined or expired
If Planet Fitness tries to charge your card and it is declined—because the card is expired, closed, or over its limit—the charge fails. Planet Fitness will attempt to charge the card again over the next few days. If the second attempt also fails, your membership is usually suspended until payment is collected.
You will not be able to use your key fob or scan your membership at the gym while suspended. Update your payment method as soon as you know there is a problem. Once you add a valid card, Planet Fitness will attempt to collect the past-due charge, and your membership will be reactivated.
Disputing a charge does not cancel your membership
If you dispute a Planet Fitness charge with your credit card company or bank, the dispute goes to your card issuer—not to Planet Fitness directly. Your bank or card company will investigate and may reverse the charge. However, disputing a charge does not tell Planet Fitness to cancel your membership.
Planet Fitness will see the dispute and may flag your account, but your membership will still be active and you will still owe the fee. If you want to end your membership, you must cancel it separately through Planet Fitness, either online or by contacting your home club. Canceling stops future charges; disputing a past charge does not.
How to cancel your membership to stop charges
To stop Planet Fitness from charging your card or bank account, you must cancel your membership before your next renewal date. You can cancel online through your account settings if your gym allows online cancellations, or you can call or visit your home club in person.
Some Planet Fitness locations require you to cancel in person or by certified mail, depending on your membership agreement and your state. Check your membership contract or call your home club to find out which method they accept. Once your cancellation is processed, no further charges will be made to your payment method.
Frequently Asked Questions
Can I use a bank account number instead of a card?
No. Planet Fitness only accepts credit cards and debit cards at signup and for ongoing billing. You cannot set up a direct bank account transfer or ACH payment. If you want to pay with a debit card, it must have a Visa or Mastercard logo.
Will Planet Fitness charge me if I lose my membership card?
Yes. Your membership card is separate from your billing. Losing the card does not stop your membership or the monthly charges. You can request a replacement card from your home club, and your membership will continue to renew and charge as scheduled.
What if I want to pause my membership instead of canceling?
Planet Fitness offers membership freezes at some locations, which temporarily stops your charges without canceling. Contact your home club to ask if a freeze is available and how long you can pause. During a freeze, you cannot use the gym, but your membership remains active and charges resume when the freeze ends.
Can I change my renewal date?
No. Your renewal date is locked to the day you joined and cannot be moved. If you want to change when you are charged, you would need to cancel your current membership and sign up again on a different day of the month.
What if Planet Fitness charges me after I canceled?
If you see a charge after you canceled, contact your home club immediately with your cancellation confirmation. Ask them to verify the cancellation date in their system. If the charge was made after your cancellation was processed, request a refund. If they refuse, you can dispute the charge with your card issuer.