The first elite-level credit card... that pays you
Sexy metal cards, 24/7 concierge, travel upgrades, and ID protection
Sexy metal cards, 24/7 concierge, travel upgrades, and ID protection
Unlimited 1.5% cash back on all purchases (up to 3%)
Refer and earn $100s to $1,000s per month in referral rewards*
*Actual referral rewards earned by cardholder(s) will vary. See Referral Program Rules for more information. 
The first elite-level credit card... that pays you
The first elite-level credit card... that pays you
Sexy metal cards, 24/7 concierge, travel upgrades, and ID protection
Sexy metal cards, 24/7 concierge, travel upgrades, and ID protection
Unlimited 1.5% cash back on all purchases (up to 3%)
Refer and earn $100s to $1,000s per month in referral rewards*
*Actual referral rewards earned by cardholder(s) will vary. See Referral Program Rules for more information. 
Watch video
The credit card... that pays you.
The first elite-level credit card... that pays you
Sexy metal cards, 24/7 concierge, travel upgrades, and ID protection
Sexy metal cards, 24/7 concierge, travel upgrades, and ID protection
Unlimited 1.5% cash back on all purchases (up to 3%) *
Refer and earn $100s to $1,000s per month in referral rewards *
*Actual referral rewards earned by cardholder(s) will vary. See Referral Program Rules for more information. 
Watch video
The credit card... that pays you
Sexy metal cards, 24/7 concierge, travel upgrades, and ID protection
Unlimited 1.5% cash back on all purchases (up to 3%) *
Refer and earn $100s to $1,000s per month in referral rewards *
*Actual referral rewards earned by cardholder(s) will vary. See Referral Program Rules for more information. 

How much could you make?

Between unlimited 1.5% cash back, premium cash back, and referral rewards, Vital community members have lots of chances to earn rewards.


Considering signing up your friends and family? Try plugging in different numbers to this referral rewards calculator, for an idea of how much you could earn each month.
$40

Monthly rewards

51

Vital Score

Number of friends
you signed up

2

This calculator assumes your friends sign up at least 4 people each. Example is based on 100,000 total Vital users with an average monthly spend of $1,500.
That’s an extra $3,405 per year.
Sexy metal cards
1.5% to 3% unlimited
cash back

Receive 1.5% cash back on everything you buy. Every 3 months, you also get the chance to earn 2% or 3% cash back for 3 months by signing up 5 or 10 active Vital Connections, respectively.
+ Terms and conditions apply. See the Vital Card Rewards Program Rules for more information.
+ Terms and conditions apply. See the Vital Card Rewards Program Rules for more information.
Track your spending
in real time.+

The Vital Card app gives you visibility into your spending habits that other credit cards can't.

From breakdowns of your spending to customizable activity and reward notifications, Vital makes it easy to keep your finger on the pulse.
+ Terms and conditions apply. See the Vital Card Rewards Program Rules for more information.
Your experience is in your hands.+
Vital World Elite Mastercard® is a Digital First Mastercard™ — meaning that you’ll always be able to find what you need on the Vital Card app: 

  • Schedule payments 
  • View and copy your credit card number
  • Freeze your card
  • Order a replacement card
  • Track spending habits
  • Personalize referral and rewards notifications
    + Terms and conditions apply. See the Vital Card Rewards Program Rules for more information.
    Complete digital access
    and finance tracking
    From breakdowns of your spending and your credit vital signs, to analyses of what’s helping and hurting your credit score,

    Vital makes it easy to keep your finger on the pulse. All on the mobile app.
    Tools and rewards for credit score gains
    Vital gives you personalized credit analyses, milestone celebrations, and cash for credit
    score increases.


    How it works

    You get a share of our

    revenue every month,

    for helping grow the
    community.

    Watch video
    Sexy metal cards
    Sexy metal cards
    Track your spending
    in real time.+

    The Vital Card app gives you visibility into your spending habits that other credit cards can't.

    From breakdowns of your spending to customizable activity and reward notifications, Vital makes it easy to keep your finger on the pulse.
    Your experience is in your hands.+
    Vital World Elite Mastercard® is a Digital First Mastercard™ — meaning that you’ll always be able to find what you need on the Vital Card app: 

    • Schedule payments 
    • View and copy your credit card number
    • Freeze your card
    • Order a replacement card
    • Track spending habits
    • Personalize referral and rewards notifications

    Sexy metal cards

    Receive 1.5% cash back on everything you buy. Every 3 months, you also get the chance to earn 2% or 3% cash back for 3 months by signing up 5 or 10 active Vital Connections, respectively.
    + Terms and conditions apply. See the Vital Card Rewards Program Rules for more information.
    1.5% to 3% unlimited
    cash back+

    Receive 1.5% cash back on everything you buy. Every 3 months, you also get the chance to earn 2% or 3% cash back for 3 months by signing up 5 or 10 active Vital Connections, respectively.
    + Terms and conditions apply. See the Vital Card Rewards Program Rules for more information.
    Track your spending
    in real time.+
    The Vital Card app gives you visibility into your spending habits and credit health that other credit cards can't.

    From breakdowns of your spending to customizable activity and reward notifications, Vital makes it easy to keep your finger on the pulse.
    Your experience is in your hands.+
    Vital World Elite Mastercard® is a Digital First Mastercard™ — meaning that you’ll always be able to find what you need on the Vital Card app: 
    • Schedule payments 
    • View and copy your credit card number
    • Freeze your card
    • Order a replacement card
    • Track spending habits
    • Personalize referral and rewards notifications
    World Elite Mastercard® perks
    24/7 personal and travel concierge
    Free nights, discounts, and status upgrades
    Free amenities and upgrades at luxury resort portfolio
    Hotel stay and price guarantees
    Zero-liability spending protection
    ID theft protection
    World Elite Mastercard® perks
    24/7 personal and travel concierge
    Free nights, discounts and status upgrades
    Free amenities and upgrades at luxury resort portfolio
    Hotel stay and price guarantees
    Zero liability spending protection
    ID theft protection

    Be one of the first to get a Vital Mastercard

    Be one of the first to get a Vital Mastercard

    FAQs

    Find the answers to frequently asked questions.

    Do I have to share Vital World Elite Mastercard?

    No, sharing is not required to be a Vital community member. Whether you share or not, you'll still be eligible to receive unlimited 1.5% cash back*, plus all the World Elite Mastercard® perks that come with your Vital Mastercard.

    If you do choose to share, and the people you refer become active Vital community members, your Vital Score will rise and you'll be eligible to earn cash referral rewards each month.* The amount you receive in referral rewards will be proportional to your eligible Vital Score, compared to the total eligible Vital Scores of all community members combined. For more information about Vital's referral rewards, see your Vital Mastercard Referral Program Rules.

    If I share, will I be making money off my friends?

    No, you will not make any money off the people you refer to Vital. The people you refer won't have to share Vital Mastercard with others either.

    If you're curious where our cash rewards* come from: Vital reserves for our members a percentage of the merchant fees we receive from each transaction — fees that usually contribute to credit card companies' revenue. We then distribute a portion of that money back to the community.

    To learn more about how Vital's referral program works, see your Vital Mastercard Referral Program Rules.

    How much can I earn in cash rewards?

    The amount you earn every month may include 2 types of Vital cash rewards*:

    Unlimited cash back: All Vital community members earn, at minimum, a flat unlimited 1.5% cash back on all purchases. Members do NOT need to participate in sharing to qualify for cash back. When you refer friends and family to Vital, you can unlock up to 3% cash back on all purchases for 3-month periods. To learn more about additional cash back, refer to your program agreements.

    Referral rewards: Every month, a percentage of the Vital community's total spend goes back to members who successfully refer friends and family (Vital Connections) to Vital. The more people you successfully sign up — and the more people they sign up, and the more people they sign up — the higher your Vital Score becomes, and the higher the percentage of referral rewards you're eligible to receive each month. For eligibility and details regarding referral rewards, please see your program agreements.

    *Vital Cash and Vital Cash Back Rewards are funds provided for use with the Vital Cash Prepaid Incentive Mastercard, which can be managed through the Vital Card mobile app. The Vital Cash Prepaid Mastercard is issued when you enroll in the Vital World Elite Mastercard program. The Vital Cash Prepaid Mastercard does not support ATM withdrawals or any other forms of physical cash access. It is designed solely for transactions. See the Vital Mastercard Rewards Program Rules and the Vital Mastercard Referral Program Rules for more information.