VITAL Card Reviews 

At VITAL, we’re building more than a credit card. We’re building a financial community. By “community,” we don’t mean people who happen to live in the same neighborhood or shop at the same stores. We envision a community in the realest sense of the word: One where members lift each other up while expanding their own financial horizons and raising their credit scores. One where people aren’t discounted because they've made a late payment or haven’t had a chance to build credit. In short: a community where better credit and the nicer things in life are within reach. On your phone. In your wallet. In your hands.

How it works: EARN CASH WHEN YOU SPEND, SHARE, AND IMPROVE YOUR CREDIT HEALTH

VITAL Card doesn’t just reward community members with cash back for spending and referral cash for signing up others. VITAL also gives you the tools you need to understand your credit score, make smarter financial decisions, and improve your credit health. As you build better credit, VITAL celebrates your wins with credit health rewards. As you reap VITAL’s benefits, our hope is that you’ll share VITAL Card with others in your community. When you sign up friends and family using your referral link, you’ll unlock a cache of rewards. That includes rising referral cash and the chance to earn 2 or 3% cash back on all spending for 3-month periods. Plus, the VITAL community — moved to build better credit for cash — will grow.

Why it works: EXPERIENCE A CARD THAT PUTS COMMUNITY FIRST

VITAL Card doesn’t just reward community members with cash back for spending and referral cash for signing up others. VITAL also gives you the tools you need to understand your credit score, make smarter financial decisions, and improve your credit health. As you build better credit, VITAL celebrates your wins with credit health rewards. As you reap VITAL’s benefits, our hope is that you’ll share VITAL Card with others in your community. When you sign up friends and family using your referral link, you’ll unlock a cache of rewards. That includes rising referral cash and the chance to earn 2 or 3% cash back on all spending for 3-month periods. Plus, the VITAL community — moved to build better credit for cash — will grow.

Who we serve: HELP BUILD AN INCLUSIVE CREDIT COMMUNITY

If we can’t knock down every barrier that blocks people from building up credit, we’ll do our best to help folks scale the wall. If you have a credit score, we’ll look at it. If you don’t, we’ll ask you questions and assess real indicators of your creditworthiness. Are you earning money? Reliably paying your bills? If a blank credit history is the only barrier standing between you and credit-building, we’ll work to welcome you to the VITAL community.