Santa Cruz
Santa Cruz sells fitness products that qualify for HSA or FSA with a letter of medical necessity, which Caeli arranges at checkout.
Estimated tax savings $990–4,200
Shop Santa Cruz with your HSA, FSA or LSA.
We accept benefit cards and handle doctor’s notes when needed. You just swipe.
All Santa Cruz products on Caeli
HSA & FSA · with LMN
Santa Cruz 5010 5 C GX AXS evo Exclusive Complete Mountain Bike 2024
$3,499.99
~$1,050Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Vala 1 AL Eagle 70 E-Mountain Bike 2026
$5,649.00
~$1,695Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Bronson 5 C GX AXS Complete Mountain Bike 2025
$5,449.00
~$1,635Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Nomad 6 C Eagle 90 Complete Mountain Bike 2026
$4,899.00
~$1,470Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Stigmata CC Apex 700c Complete Bike 2025
$3,299.00
~$990Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Vala 1 AL Deore E-Mountain Bike 2026
$4,949.00
~$1,485Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Nomad 6 C Eagle 70 Complete Mountain Bike 2026
$4,099.00
~$1,230Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Vala 1 C Eagle 70 E-Mountain Bike 2026
$7,049.00
~$2,115Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Vala 1 C Eagle 90 E-Mountain Bike 2026
$8,199.00
~$2,460Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Bronson 5 C S Complete Mountain Bike 2025
$4,399.00
~$1,320Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz V10 8 CC DH X01 Complete Mountain Bike 2027
$8,899.00
~$2,670Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Nomad 6 C R Complete Mountain Bike 2024
$3,499.00
~$1,050Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Bullit 4 C Eagle 70 E-Mountain Bike 2026
$7,049.00
~$2,115Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Bronson 5 C R Complete Mountain Bike 2025
$3,749.00
~$1,125Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Hightower 4 C Eagle 90 Complete Mountain Bike 2026
$6,099.00
~$1,830Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Bronson 5 C Eagle 90 Complete Mountain Bike 2026
$6,099.00
~$1,830Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz V10 8 CC DH S Complete Mountain Bike 2027
$7,049.00
~$2,115Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Hightower 4 C Eagle 70 Complete Mountain Bike 2026
$5,149.00
~$1,545Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Vala 1 C R E-Mountain Bike 2025
$6,549.00
~$1,965Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Bullit 4 C Eagle 90 E-Mountain Bike 2026
$8,199.00
~$2,460Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Stigmata 4 CC Apex 700c Complete Bike 2026
$4,149.00
~$1,245Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Skitch 1.1 CC Apex Flat Bar 700c Complete eBike 2026
$5,849.00
~$1,755Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Skitch 1.1 CC GX AXS Flat Bar 700c Complete eBike 2026
$7,349.00
~$2,205Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Bronson 5 C GX AXS Complete Mountain Bike 2026
$7,249.00
~$2,175Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Vala 1 C S E-Mountain Bike 2025
$7,649.00
~$2,295Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Tallboy 6 CC Deore Complete Mountain Bike 2027
$4,999.00
~$1,500Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Tallboy 6 CC Eagle 90 Complete Mountain Bike 2027
$5,899.00
~$1,770Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Megatower 2 C Eagle 90 Complete Mountain Bike 2026
$5,199.00
~$1,560Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Heckler SL C Stout E-Mountain Bike 2025
$6,949.00
~$2,085Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Nomad 7 CC XT Di2 Complete Mountain Bike 2027
$7,799.00
~$2,340Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz V10 8 CC DH S Complete Mountain Bike 2026
$7,049.00
~$2,115Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Heckler SL C R E-Mountain Bike 2025
$5,449.00
~$1,635Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Nomad 7 CC X0 AXS Reserve Complete Mountain Bike 2027
$9,499.00
~$2,850Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Nomad 7 CC Eagle 90 Complete Mountain Bike 2027
$6,099.00
~$1,830Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Stigmata 4 CC Rival AXS 1x 700c Complete Bike 2026
$5,049.00
~$1,515Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Bullit 4 C GX AXS E-Mountain Bike 2026
$9,149.00
~$2,745Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Heckler SL 1.1 C Eagle 70 E-Mountain Bike 2026
$6,199.00
~$1,860Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Bronson 5 C Eagle 70 Complete Mountain Bike 2026
$5,149.00
~$1,545Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Nomad 6 C GX AXS Complete Mountain Bike 2025
$5,799.00
~$1,740Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Heckler SL CC X0 AXS Reserve E-Mountain Bike 2025
$9,949.00
~$2,985Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Tallboy 6 CC GX AXS Complete Mountain Bike 2027
$6,999.00
~$2,100Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Vala 1 C XT Di2 E-Mountain Bike 2026
$10,149.00
~$3,045Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Heckler SL C GX AXS E-Mountain Bike 2025
$8,249.00
~$2,475Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Nomad 6 C GX AXS Complete Mountain Bike 2024
$5,249.99
~$1,575Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Tallboy 6 CC XT Di2 Complete Mountain Bike 2027
$7,499.00
~$2,250Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Vala 1 C GX AXS E-Mountain Bike 2026
$9,049.00
~$2,715Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Stigmata 4 CC Force AXS 1x Reserve 700c Complete Bike 2026
$6,849.00
~$2,055Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Hightower 4 CC XTR Reserve Complete Mountain Bike 2026
$11,399.00
~$3,420Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Heckler SL 1.1 C Eagle 90 E-Mountain Bike 2026
$7,399.00
~$2,220Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Vala 1 CC X0 AXS Reserve E-Mountain Bike 2025
$10,749.00
~$3,225Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Nomad 6 CC X0 AXS Complete Mountain Bike 2025
$6,949.00
~$2,085Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Vala 1 C XT Lite E-Mountain Bike 2027
$9,299.00
~$2,790Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Vala 1 CC XX AXS Lite Reserve E-Mountain Bike 2027
$13,999.00
~$4,200Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Nomad 7 CC GX AXS Complete Mountain Bike 2027
$7,299.00
~$2,190Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Vala 1 CC X0 AXS Reserve E-Mountain Bike 2026
$10,949.00
~$3,285Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Megatower 2 CC X0 AXS Complete Mountain Bike 2025
$7,399.00
~$2,220Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Megatower 2 CC X0 AXS Reserve Complete Mountain Bike 2025
$8,299.00
~$2,490Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz 5010 CC X01 AXS Reserve Complete Mountain Bike 2023
$6,179.40
~$1,854Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Tallboy 6 CC XX LTD FA Chris King RSV Complete Mountain Bike 2027
$13,999.00
~$4,200Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Blur 5 CC Eagle 90 Complete Mountain Bike 2027
$5,799.00
~$1,740Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Stigmata 4 CC Rival 1x AXS 700c Complete Bike 2027
$4,999.00
~$1,500Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Blur 5 CC XTR Reserve Complete Mountain Bike 2027
$10,299.00
~$3,090Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Stigmata 4 CC Apex 700c Complete Bike 2027
$4,149.00
~$1,245Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Stigmata 4 CC Force 1x AXS Reserve 700c Complete Bike 2027
$6,849.00
~$2,055Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Blur 5 CC XX AXS FA Race Reserve Complete Mountain Bike 2027
$13,399.00
~$4,020Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Vala 1 CC XT Di2 Reserve E-Mountain Bike 2027
$11,999.00
~$3,600Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Bullit 4 CC XT Di2 Reserve E-Mountain Bike 2027
$13,499.00
~$4,050Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Vala 1 CC XT Di2 Lite Reserve E-Mountain Bike 2027
$11,999.00
~$3,600Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Nomad 6 CC X0 AXS Reserve Complete Mountain Bike 2025
$7,799.00
~$2,340Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Megatower 2 C GX AXS Complete Mountain Bike 2025
$6,149.00
~$1,845Est. Tax Saving
HSA & FSA · with LMN
Santa Cruz Nomad 6 CC X0 AXS Complete Mountain Bike 2024
$6,299.99
~$1,890Est. Tax SavingOther HSA/FSA-eligible brands shoppers compare with Santa Cruz
Common questions about Santa Cruz
Are Santa Cruz products HSA or FSA eligible?
All 71 Santa Cruz products Caeli lists qualify for HSA or FSA, each with a letter of medical necessity.
Do you need a letter of medical necessity for Santa Cruz?
71 of the Santa Cruz products Caeli lists need one. These are dual-purpose items, which become eligible when a clinician ties them to a documented condition. Caeli can arrange the letter as part of checkout.
How does Caeli handle the letter of medical necessity for Santa Cruz products?
At checkout, Caeli runs a short telehealth intake for the Santa Cruz product in your cart. A clinician reviews it and, where the product fits a documented condition, issues the letter, which Caeli files with your receipt. No doctor's visit, and the purchase goes through as an HSA or FSA expense.
What is a letter of medical necessity, and how do I get one for Santa Cruz?
A note from a licensed clinician saying an item treats or manages a specific condition — which is what makes a dual-purpose Santa Cruz product HSA or FSA eligible. Caeli gets you one in about three minutes: a licensed provider reviews a few questions and signs it, and it stays valid for 12 months, for that product and similar ones.
What qualifies for a letter of medical necessity on Santa Cruz products?
A documented condition the Santa Cruz product helps treat or manage — the clinician decides, against what you describe in the intake. You do not need a diagnosis in hand to start; the questions are the diagnosis step.
Can I split a Santa Cruz purchase between my HSA or FSA card and a credit card?
Yes. At checkout Caeli charges the eligible amount to your benefit card and puts the rest on a regular credit card, in one order, and you can combine funds from more than one benefit account the same way. The receipt is stored in your Caeli account for reimbursement or an audit.