Vital Card 4+

The credit card worth sharing

VITAL Card Inc

    • 4.7 • 13 Ratings
    • Free



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.


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



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


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


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

What’s New

Version 2.1.1

Just making some improvements!

Ratings and Reviews

4.7 out of 5
13 Ratings

13 Ratings

AurelusMagnus ,

Love it! Unbelievably smooth experience!

I typically don't write reviews, but I feel compelled to give credit where it's due. Every aspect of my experience with this app and company has been incredibly seamless. They've gone above and beyond, leaving no stone unturned. It's evident that a tremendous amount of effort has gone into making this a top-notch experience especially knowing that it is still in beta!

IamET ,

This is what a banking app should be!

Wow! Beautiful design. Love the credit gamification. Easy to use. Brilliant- this is the number one credit card app I’ve ever seen!

209NDG ,

This is a dud

I downloaded the app. Near the bottom of the app it says I” want a card”. I clicked it and nothing happens. So I deleted the app and reinstalled it. The same thing nothing. I have other apps that offer the same benefits as this. Try those. This is a dud

Developer Response ,

Hi there - thank you for your feedback. We are sorry to hear you had issues linking to the credit application. If you would like to apply for the card, you can join the waitlist from our website:

Please note that we are in still in beta; there is a lot that goes into starting a credit card company and we are doing our best to make it available to everyone as soon as possible. If you join the waitlist, you will receive an invitation to apply as soon as applications open.

App Privacy

The developer, VITAL Card Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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