Vital is the credit card that pays you to share and spend responsibly.

What made 10,000+ people join the waitlist for a credit card? A luxury experience and cash-reward model that makes it simple to earn cash rewards every month* and improve your credit.

A World Elite Mastercard®, Vital rejects the exclusionary model of most premium cards and makes luxury perks accessible to all community members. More than a heavyweight metal card and elite benefits, members can earn cash rewards every month* for one-time referrals, cash for credit score gains, and unlimited 1.5–3% cash back.

Make use of a credit card app built for the twenty-first century: Track your cash rewards and referral stats. Manage every aspect of your Vital Card account. And monitor your credit score, alongside assessments of the behaviors that may be helping and hurting your credit.

Download the Vital Card App and experience the credit card worth sharing.

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Cash rewards:

- Referral rewards — invite friends once, earn cash every month*
- Credit health rewards
- Unlimited 1.5% cash back on every dollar you spend
- Up to 3% cash back on all purchases for 3-month periods, based on referrals

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Security:

- ID theft protection with World Elite Mastercard®
- Freeze your card anytime, anywhere on the Vital Card App

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Empowered finance tracking:
- Monitor your spending by the week, month, or year — and in real time
- Track monthly updates to your credit score
- View new insights into your credit behavior every month

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Full digital experience:

Use the Vital Card App to
- Schedule payments
- Track spending habits
- Monitor your credit score
- View your cash rewards and referral stats
- Personalize referral and rewards alerts
- Freeze your cards
- Check your credit’s vital signs

*To be eligible to receive referral rewards, Vital cardholders must spend at least $250 per month and maintain an account in good standing. For more information about Vital Card rewards, please see https://vitalusers.vitalcard.com/en/collections/3208855-top-questions