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 cashback: 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 Vital's Mastercard Rewards Program Rules and Vital's Mastercard Referral Program Rules.
†Vital Connections must have at least one Vital Mastercard transaction to be considered “active”.