The credit card that pays you to share and spend responsibly

Invite friends, earn cash every month*

Share your referral link with friends and family. When they sign up and spend, your Vital Score grows, and you collect extra cash every month.*
Not into referrals? No problem. Take advantage of all the other benefits Vital Card and World Elite Mastercard® have to offer.
*More info
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Watch your
rewards roll in

Between unlimited 1.5% cash back, credit health rewards, and referral rewards, Vital community members have lots of chances to earn cash.
Considering signing up your friends and family to Vital Card? Try plugging in different numbers to this referral rewards calculator, for an idea of how much you could earn each month.
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Monthly rewards


Vital Score

Number of friends
you signed up


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.

Hands joining in shape of a heart

1.5% cash back on all purchases

With an annual $99 cost of membership*, you'll earn 1.5% cash back on all your spending. Whenever you sign up 5 or 10 people through your referral link in a 3-month period, you'll unlock 2% and 3% cash back for the following 3 months.
*More info
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Floating shape
Floating shape
Floating shape

Build better credit,
get cash*

Build your credit health with personalized tips and tools. As you tone a stronger credit score, Vital will help you celebrate with credit health rewards.
*More info
Credit score application screen

Empowered finance tracking

Real-time notifications help you track spending, manage payments, monitor your credit health, and more.
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Spending summary screen

Easy digital access, fully customized experience

  • Schedule payments
  • Track spending habits
  • Monitor your credit score
  • Personalize referral and rewards alerts
  • Freeze your cards
  • Check your credit's vital signs
More info
Card management application screen


Earn Vital Cash for the money you spend, the Vital Connections you sign up, and the credit score points you gain. Spend your cash rewards online, or anywhere that accepts Apple Pay®, Google Pay®, or Samsung Pay®.
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Woman with Vital Card in hand
Man with Vital Card in hand