Vital Card Review
Updated January 21, 2024

Vital Card Review 2024: Is Vital Card Legit or a Scam?

Credit Cards

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If you’re looking for a new credit card that really rewards users, you might want to look into getting access to Vital Card, an exciting card that offers fantastic rewards for consumers.

Vital Card is a revolutionary card that rewards users for building the Vital Card community and spending money responsibly.

This credit card was designed with users in mind.

Vital Card has the goal of building a vast and engaged community of credit card users, which is why community building is part of its reward program.

Here’s our Vital Card review with everything you need to know about the exciting upcoming release.

Vital Card Review

We all know that credit card rewards offers are often too good to be true.

When we see a generous credit card offer, we often find out later that the rewards points or cashback offers are for specific shopping categories, and those categories usually end up being ones we have little interest in.

Credit Card Rewards

Vital Card is a company that’s rethinking the way credit card rewards are structured and distributed, meaning much better rewards offers for consumers.

You get cash forever when you get someone to sign up for Vital Card and have the chance to compete for up to 5% cash back on all of your purchases.

That means there are two ways to earn a significant amount of cash back on your Vital Card.

Vital Card Referral Rewards

The referral rewards program is what really sets Vital Card apart from traditional credit card offers.

You’ll earn cash rewards forever when you get someone to sign up for Vital Card using your unique referral link.

In addition to consistent earnings from your direct referrals, you’ll get additional earnings when your referrals refer other consumers to Vital Card.

You’ll even be paid when your referrals’ referrals sign up new members, meaning you have an opportunity to earn serious rewards by promoting Vital Card and getting consumers to sign up.

By focusing on building the Vital Card community, you’ll earn rewards from your vast network of users, which is very different from traditional rewards programs that give you points or cash back only on your purchases.

If you have a large network of friends or colleagues, you can earn significant rewards just by having them sign up with your referral link.

Each consumer that you get to sign up through your referral link earns you four referral points that are tallied each month.

The consumers your referrals sign up earn you two points each, and you get one point for everyone they end up referring.

At the end of the month, those points are tallied and the Referral Rewards Pool is paid out in proportion to point tallies, meaning the more points you earn, the more money you earn.

There are some restrictions when it comes to earning points for referrals, most notably that the accounts you refer have to be active and in good standing.

An active account is simply an account that has made a minimum of a $1 purchase during that month, so it doesn’t take much for your referrals to remain in an active status and earn you referral points each month.

You can even start building up your referrals before you open up your credit card with Vital Card if approved, which gives you a chance to get ahead of the competition.

Cash Back

Throughout each billing period, you’ll also have the opportunity to earn points by completing monthly activities, using credit responsibly, controlling your spending, and you’ll even earn points just on your life experiences.

Those with the most points at the end of the month get 5% cash back on that month’s statement, with lower point tiers for the 2% cash back and 1% cash back offers.

Even if you don’t accumulate enough points to reach a higher tier of cash back, you’ll still receive 1% cash back on all of your purchases.

Where some credit cards are marketing 1.5% cash back as an incredible cash back offer that no other cards can provide, Vital Card’s lowest cash back tier is 1% and is a guarantee, with the chance to consistently get 5% cash back if you earn enough points during the month.

Getting Paid

Unlike some credit cards that may pay as infrequently as every quarter or even just twice per year, you’ll get paid out through your referral rewards and cashback earnings at the end of every month.

The best part about your referral rewards points is that they continue every month.

With Vital Card’s referral rewards system, you’ll be able to build your referral rewards points steadily over time by referring consumers to Vital Card and when they end up referring consumers on their own.

You’ll be able to quickly and easily track your referral rewards points as well as your cash back points in order to refer more users to Vital Card or complete more activities to earn additional cash back.

If you’re looking for a card that really focuses on rewarding you for your everyday purchases, Vital Card is just what you need.

The monthly payouts are very quick so you know when to expect them.

Vital Card Design

The card itself is certainly worth mentioning.

Vital Card provides all of its customers with a high-quality, stunning aluminum card that comes in multiple colors to choose from.

The sleek design really makes a lasting impression and gives you the feeling that Vital Card is a modern, updated company that really knows what it’s doing.

Is Vital Card a Scam or Legit?

When something sounds too good to be true, it often means it is.

With Vital Card, that’s simply not the case.

Vital Card is a legitimate credit card backed by a major banking institution so you won’t have to worry about Vital Card being a scam.

By restructuring and revolutionizing the way that credit card reward programs work, Vital Card has created something that is completely altering the credit card landscape, which is a great thing for customers.

Where you once were limited on reward and cash back options, you’ll now have complete freedom and control over your rewards points and cash back amounts.

Vital Card’s rewards program puts the control back in your hands.

Whether you use your Vital Card for small, everyday purchases or large, extravagant purchases, you’ll know exactly what to expect from the reward and cash back program and what you can do to get the rewards and cash back you’re looking for.

Whether you’re new to credit cards or if you’ve had plenty of them in the past, Vital Card is going to change the way you think about credit cards.

By rewarding smart spending decisions and money management practices, Vital Card promotes responsible credit card use.

Some credit card companies focus on profits through interest rates on out of control spending habits.

Vital Card wants to teach consumers how to use credit cards responsibly by rewarding good spending behaviors.

You may also be wary of Vital Card’s reward program based on sharing a referral link.

Vital Card is not a multi-level marketing company and does not employ those practices with its consumers.

When you sign up for the Vital Card, you do have the option to share a referral link in order to attract new users and earn you points, but you’re in no way required to do so in order to use the card.

If you don’t want to promote Vital Card to earn points and better rewards, you’ll still have the chance to earn up to 5% cash back each and every month.

Better yet, it’s completely free to sign up and there is no annual fee.

Vital Card Restrictions

There are some restrictions around earning referral rewards points every month.

As we mentioned previously, your referrals need to have active accounts that are also in good standing in order for you to earn points for that month.

An active account is an account that makes purchases amounting in at least $1 for the month, and good standing accounts are not behind on payments.

In addition to your referrals having account requirements, there are some additional requirements for your own account that you need to meet each month in order to collect referral rewards points.

In order to be eligible for referral rewards points for any given month, you have to spend a minimum of $250 during that month.

If you spend less than $250 during the month you are not eligible for your referral rewards for that month, but you are still eligible for cash back.

Regardless of how much you spend, you are always eligible for a minimum of 1% cash back on your purchases for the month.

Currently, there are no business or corporate card options, but Vital Card is hoping to change that in the near future.

Vital Card is only available to consumers in the continental United States and Puerto Rico but does plan on expanding internationally.

Other Ways to Use Vital Card Rewards

While everyone loves receiving rewards and cash back on their credit card purchases, you can make your rewards even more meaningful by electing to donate them to the charity of your choice.

Whether you want to donate a portion of your referral and cash back rewards or all of them, you’ll be putting your rewards to even better use.

Vital Card fully vets charities that are listed to receive rewards on behalf of a consumer to make sure they are legitimate charity organizations.

Vital Card cares about making a positive impact across the Vital Card footprint and is dedicated to assisting charitable organizations around the world.

In addition to donating your rewards points and cash back to charities, you can transfer your points to friends and family who also use Vital Card.

Getting Approved by Vital Card

Like any other credit card, you will need to be approved in order to start using the Vital Card.

When you submit your application, Vital Card will run a credit check and will verify additional information on your application before making a final application decision.

There are some specific requirements that need to be met in order to be approved.

First and foremost, you need to be at least 18 years old when you apply for a Vital Card and 19 or older in Alabama and Nebraska.

You will also need to provide your physical address on the application for verification purposes, but you can update that later if you prefer using a PO box for correspondence.

Finally, and most importantly, you need to pass a credit check and meet other underwriting criteria in order to be approved for the Vital Card.

While having a great credit score is certainly ideal, Vital Card welcomes anyone to apply, even if someone has no credit history at all.

Since Vital Card focuses on teaching good spending and credit management habits, they encourage those with weak or no credit history to apply so they can learn the techniques that Vital Card has to offer.

With a rewards and cash back system founded on responsible spending practices, Vital Card is a great credit card option for those looking to build or repair their credit history.

Vital Card Review: Conclusion

Overall, we think Vital Card is a transformative credit card that’s going to shake up the way that typical credit card companies do business.

Unlike other credit card companies, Vital Card is committed to teaching consumers smart spending and credit usage habits, which can help set consumers up for success when using the Vital Card.

The rewards and cash back system is robust and unique, and it aligns with Vital Card’s overall goal of teaching consumers better money management practices.

While we certainly understand any hesitation and caution when it comes to signing up for and using credit cards, there aren’t many cards out there that can compete with this one.

Vital Card has everything that a consumer is looking for.

With an impressive rewards program that pays out every month for your referrals and generous opportunities to earn cash back on your purchases, Vital Card is changing the face of credit cards as we know it.


Logan Allec, CPA

Logan is a practicing CPA and founder of Choice Tax Relief and Money Done Right. After spending nearly a decade in the corporate world helping big businesses save money, he launched his blog with the goal of helping everyday Americans earn, save, and invest more money. Learn more about Logan.

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Stephen J Chokanis
Stephen J Chokanis
4 years ago

Hi, wondering when this is going to start? Thanks, Steve Chokanis

2 years ago

Is it just me, or does Vital seem like the Fyre Festival of credit cards?