Frequently Asked Questions
What is VITAL?
VITAL is the credit card that pays you to share and spend responsibly.
Get paid cash forever for each person you sign up.
Plus compete monthly to earn 5%, 2% or 1% cash back on all purchases.
Get paid cash forever for each person you sign up.
Plus compete monthly to earn 5%, 2% or 1% cash back on all purchases.
What is the difference between referral and on sharing.
You get paid cash forever for each person you sign up.
Plus, we also reward you when your friends sign up new members
and their friends sign up new members.
In addition to the referral rewards, every VITAL member competes to
earn 5%, 2% or 1% cash back on their purchases.
Members earn activity points by completing pre-determined monthly activities
that are based on good credit behavior, socially responsible spending, life experiences, and
daily spending.
earn 5%, 2% or 1% cash back on their purchases.
Members earn activity points by completing pre-determined monthly activities
that are based on good credit behavior, socially responsible spending, life experiences, and
daily spending.
VITAL cardholders with the most activity points at the end
of each month get 5% cash back on that month’s statement.
The next group gets 2%. Everyone else gets 1%.
of each month get 5% cash back on that month’s statement.
The next group gets 2%. Everyone else gets 1%.
What’s my referral score and how does that affect my referral rewards?
Every time you sign up a friend to VITAL, you earn 4 points towards
your referral score. Plus, you get an additional 2 points for everyone your
friend signs up and another 1 point for the people they sign up.
VITAL measures and rewards your social network three tiers out.
your referral score. Plus, you get an additional 2 points for everyone your
friend signs up and another 1 point for the people they sign up.
VITAL measures and rewards your social network three tiers out.
At the end of each month, VITAL adds up every member’s*
referral score and pays out the Referral Rewards Pool proportionately
based on everyone’s score.
referral score and pays out the Referral Rewards Pool proportionately
based on everyone’s score.
*In order for your referrals to qualify towards your total referral score,
each account must be active and in good standing. Active means
they spend as little as $1 per month.
each account must be active and in good standing. Active means
they spend as little as $1 per month.
How do I compete for 5%, 2% or 1% cash back each month?
Every member can earn activity points by completing
pre-determined monthly activities that are based on good credit behavior,
socially responsible spending, life experiences, and daily spending.
pre-determined monthly activities that are based on good credit behavior,
socially responsible spending, life experiences, and daily spending.
VITAL cardholders with the most activity points at the end of each month
get 5% cash back on that month’s statement. The next group gets 2%.
Everyone else gets 1%.
get 5% cash back on that month’s statement. The next group gets 2%.
Everyone else gets 1%.
How will I get paid my referral and cash back rewards each month?
VITAL is currently in pre-launch mode; we plan to deliver cards in late 2019.
During our pre-launch, members have the opportunity to grow their referral score.
This will translate to more referral rewards once we launch.
During our pre-launch, members have the opportunity to grow their referral score.
This will translate to more referral rewards once we launch.
Once applications are received and approved, active users can start
receiving referral rewards and cash back.
receiving referral rewards and cash back.
What happens if I don’t get approved for VITAL after the pre-launch phase is done;
do I still get referral rewards for everyone I helped sign up?
We decided to rollout a pre-launch website before the cards
were ready because overwhelmingly when we spoke to potential members,
they wanted the opportunity to start growing their referral score immediately.
The risk of doing this is that not everyone will be approved by our banking partner.
were ready because overwhelmingly when we spoke to potential members,
they wanted the opportunity to start growing their referral score immediately.
The risk of doing this is that not everyone will be approved by our banking partner.
We are committed to making VITAL as accessible as possible.
Most people who qualify for a basic entry level credit card should also qualify for
VITAL, though we cannot make any guarantees. If a member’s application gets denied,
we want to make sure his/her effort during the pre-launch is rewarded.
As such, we will allow the member to transfer his/her referral score to a friend
or family member with good credit.
Most people who qualify for a basic entry level credit card should also qualify for
VITAL, though we cannot make any guarantees. If a member’s application gets denied,
we want to make sure his/her effort during the pre-launch is rewarded.
As such, we will allow the member to transfer his/her referral score to a friend
or family member with good credit.
Is VITAL a Multi Level Marketing (MLM) or pyramid marketing company?
VITAL is not an MLM or pyramid marketing company, but we were inspired by
the idea of network marketing when we created our referral program.
the idea of network marketing when we created our referral program.
We don’t like MLM companies because MLM companies often stick lots of their
“sales members” with inventory (physical products) that they paid for but are now
unable to sell. MLM companies do offer significant upside to their members, but often
with a decent amount of risk.
“sales members” with inventory (physical products) that they paid for but are now
unable to sell. MLM companies do offer significant upside to their members, but often
with a decent amount of risk.
On the other hand, VITAL is completely free to sign-up with no annual fee.
We offer a high quality beautiful aluminum card in the color of your choice, 5%, 2% or 1%
cash back on all of your purchases, and give our members THE OPTION to earn referral
rewards if they choose to share VITAL. If you don’t share, you still get a beautiful card, up
to 5% cash back, and no annual fee.
We offer a high quality beautiful aluminum card in the color of your choice, 5%, 2% or 1%
cash back on all of your purchases, and give our members THE OPTION to earn referral
rewards if they choose to share VITAL. If you don’t share, you still get a beautiful card, up
to 5% cash back, and no annual fee.
Are there any rules around VITAL’s referral and cash back rewards?
In order to be eligible and activate your monthly referral rewards for sharing, you must
spend at least $250 per month. If you spend less than $250 in a given month,
you will not receive referral rewards for that month.
spend at least $250 per month. If you spend less than $250 in a given month,
you will not receive referral rewards for that month.
No matter how much you spend, you will always receive at least 1% cash back
on all of your purchases.
on all of your purchases.
Is there an annual fee for VITAL?
No, VITAL has no annual fee. It’s completely free to sign up and use VITAL.
How can I donate my referral and cash back rewards to a charity on VITAL?
Each month you earn referral rewards for sharing and cash back for spending on VITAL.
We allow you to donate a portion or all of your referral and cash back rewards to the
pre-approved charity of your choice. All charities on VITAL are vetted and approved
by VITAL before we allow them to receive your gift.
We allow you to donate a portion or all of your referral and cash back rewards to the
pre-approved charity of your choice. All charities on VITAL are vetted and approved
by VITAL before we allow them to receive your gift.
Will signing up for VITAL and sharing during the pre-launch period affect my credit?
No, you are not actually applying for a credit card at this time. We are allowing people
interested in getting a VITAL Card in the near future to sign up and begin sharing and
growing their VITAL network.
interested in getting a VITAL Card in the near future to sign up and begin sharing and
growing their VITAL network.
How often are rewards paid?
VITAL pays referral and cash back rewards at the end of every month.
Are credit card rewards taxed?
No, credit card rewards are not taxed.
Will VITAL offer a business/commercial card?
We have not yet announced plans to offer a business/commercial card, but
stay tuned for updates.
stay tuned for updates.
Will VITAL allow joint accounts?
No, VITAL is for individual use only at the moment.
Is there a monthly bill to pay with VITAL?
VITAL is a credit card, and therefore a bill is generated each month that must
be paid off in full before the payment period ends. Failure to not pay off your bill
can result in fees and damage your credit score.
be paid off in full before the payment period ends. Failure to not pay off your bill
can result in fees and damage your credit score.
Is VITAL available internationally?
We’re focused on launching VITAL to cardholders in the U.S. (50 states + D.C.) first.
We’d love to issue cards to people all over the world, but that’s another challenge altogether.
We’d love to issue cards to people all over the world, but that’s another challenge altogether.
Can people who are not citizens or permanent residents of the United States apply?
Initially, we will only be open to citizens and permanent residents of the United States.
Stay tuned for updates.
Stay tuned for updates.
Can I build my credit history using VITAL?
Using VITAL will build your credit history, and responsible account management
(like paying your bill on time), will improve your credit score over time.
(like paying your bill on time), will improve your credit score over time.
Does VITAL maintain a bank charter?
VITAL does not maintain its own bank charter, instead we’ve partnered with
an existing bank which allows us to operate with greater efficiency.
an existing bank which allows us to operate with greater efficiency.
How can I get VITAL Card?
We are still in a pre-launch stage. Once we begin accepting applications in late 2019,
you will need to apply and undergo a typical credit card application process.
you will need to apply and undergo a typical credit card application process.
What will be required to qualify for VITAL?
You must be a permanent resident of the United States, at least 18 years old (or 19
if in you are in Alabama or Nebraska), and have a valid social security number.
You will need a physical address (but you can later add a PO Box as a mailing address
if you are approved). You must also satisfy certain other underwriting criteria and pass
a credit check, although you’re welcome to apply even with a thin credit history or
no credit history.
if in you are in Alabama or Nebraska), and have a valid social security number.
You will need a physical address (but you can later add a PO Box as a mailing address
if you are approved). You must also satisfy certain other underwriting criteria and pass
a credit check, although you’re welcome to apply even with a thin credit history or
no credit history.
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