With any store credit card, it only makes sense to get it if you’re a frequent shopper with the brand.
That is especially true in the case of the Fabletics Reserve credit card. To apply for the card, you must be a Fabletics VIP member. Perks of membership include store credits, deep discounts and access to exclusive products. Of course, none of these benefits comes for free.
So even though the Fabletics card doesn’t have an annual fee, you’ll need to spend money on a monthly basis to reap the card’s full benefits.
Here’s what you need to know about the Fabletics Reserve credit card, which is a Visa issued by Transportation Alliance Bank and serviced by financial technology company Sunbit.
1. It’s light on fees … sort of
The Fabletics Reserve card doesn’t charge an annual fee, foreign transaction fee or late fees.
However, to qualify for the card, you must be a Fabletics VIP member, which requires a monthly subscription fee. More on that in the next section.
2. Only certain customers can apply
Not the most accessible card, the Fabletics Reserve card is currently available only to Fabletics VIP members, and even then by invitation only. (A Fabletics spokesperson told NerdWallet that the card will become available to all VIP members in 2027, with no invite necessary.)
A VIP membership costs $69.95 a month. Membership benefits include special pricing and credits toward Fabletics merchandise, as well as the ability to participate in Fabletics’ loyalty program, which has three tiers; Fabletics cardholders are automatically placed in the Black tier, the highest level. Those in the Black tier get additional benefits such as Fabletics gift cards.
Black tier members also earn 3 Loyalty Points per $1 spent at Fabletics, a rate that increases to 4 points per $1 spent at the retailer for holders of the Fabletics credit card. (See below.)
If you cancel your VIP membership, you’ll no longer be able to earn rewards through the loyalty program or with the Fabletics credit card.
3. Rewards redemption is limited
The Fabletics Reserve credit card earns the following rewards:
4 Loyalty Points per $1 spent at Fabletics, either in-store or online.
1 Loyalty Point per $1 spent elsewhere.
Points are redeemable only for rewards that can be spent on more Fabletics merchandise. One Loyalty Point is worth 1 cent each. Every 1,000 points can be redeemed for a $10 reward.
Given those rewards rates, you’d need to spend $250 at Fabletics to earn enough points to get a $10 reward.
For solid rewards on more than just athleisure, consider the $0-annual-fee Blue Cash Everyday® Card from American Express, which earns 3% cash back at U.S. supermarkets, U.S. online retail purchases and U.S. gas stations. You’ll earn that 3% rate on the first $6,000 in spending per year in each of those three categories. After that, the card earns 1%.* (Terms apply; see rates and fees.) Those high rewards in three common spending categories are likely to reap a lot of cash back, which you can use anywhere, not just with a specific retailer.
4. There’s a welcome offer
Some store cards offer new cardholders a welcome offer in the form of a one-time store discount; the Fabletics Reserve card gives qualifying cardholders Fabletics merchandise.
As of November 2026, new cardholders receive a Fabletics product valued at up to $185. To earn the welcome offer, you must make one purchase with your new Fabletics Reserve card. After that, you’ll receive a promo code that can be applied to a selection of Fabletics merchandise.
The gift must be redeemed within six months of receiving the promo code.
5. The card can be used right away
Upon approval, new cardholders will receive a digital version of the Fabletics Reserve card, which can be used for online purchases or anywhere that accepts tap to pay.
For rates and fees of the Blue Cash Everyday® Card from American Express, please visit American Express' rates and fees page.
