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 a real sense of the word: One where members lift each other up and get ahead themselves. One where people don't pay dearly because they made a late payment, or because they forgot to cash in on rewards they earned. In short: a community where good 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 and share.

Vital doesn't just reward community members with cash back* for spending. Vital also pays monthly referral cash^* for signing up others. As you reap Vital's benefits, our hope is that you'll share Vital World Elite Mastercard® 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 will grow.

Why it works

Experience a card that puts community first

Like any credit card, Vital Mastercard needs users. Unlike any other credit card: The more Vital Mastercard grows, the more money our community members earn. That's why we built Vital Mastercard with a low $99 annual cost of membership ^§, no late fees, and zero-liability protection. To build a strong credit community, we made a card worth sharing.