VITAL Card: The World’s First Social Credit Card

Advertiser Disclosure

Last updated on October 3rd, 2023

A new fintech startup is seeking to shake up the credit card industry. The VITAL Card claims to be the first social credit card, offering competitive cash back based on how many referred friends or family members sign up. While still in the funding phase, here is what we know about the new VITAL credit card.

VITAL Credit Card Details

The VITAL Card is the latest challenger credit card in an increasingly crowded fintech marketplace. The card is currently in the funding phase of development, but already there are key hints about what the VITAL Card will offer:

  • 1% cash back on all purchases
  • Cardholders compete for 5%, 2%, and 1% cash back each month
  • Differing cash back rewards depend on activity points
  • No annual fee
  • Metal card construction

Activity Points

The VITAL Card claims to be the first social credit card. This innovation comes from the way users earn activity points. Cardholders receive points for completing everyday tasks – from donating to charity, or paying the card’s statement on time, to increasing the cardholder’s credit score.

Activity points are pooled throughout the billing period, with cardholders gaining the most activity points receiving 5% cash back on that month’s spending. Those in the second tier earn 2% cash back on their monthly spend, while the rest earn 1% back.

Referral Score

As a social card, VITAL also pays users for referrals. Users get paid “cash forever” for each person they refer who signs up for the card. VITAL also rewards cardholders whose friends sign up new members – and their friends who refer new users.

Referral points apply to a user’s referral score and pay out of a “referral pool” based on each cardholder’s overall score. Referrals only apply to active cardholders, meaning users must spend at least $250 per month to qualify.

When Will VITAL Launch?

The launch date for the VITAL Card is currently unknown. Typically, fintech cards in the funding states are several months away from launch, with some cards still in development more than a year later.

It is also important to note that while the VITAL Card is accepting interested consumers to sign up via the waitlist, that does not mean everyone on the list will qualify for the card.

Related Article: The Best Fintech Credit Cards of 2020

Featured photo by Matthew Henry / Burst

Editorial Disclosure – The opinions expressed on's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

About: Cory Santos
Cory Santos

Cory is the senior credit card editor at BestCards, specializing in everything credit card-related. He’s worked extensively with credit cards and other personal finance topics, including nearly five years at BestCards. Cory’s extensive knowledge is an essential part of the BestCards experience, helping readers to live their best financial lives with up-to-date insights and comprehensive coverage of all facets of the credit card space, including market trends, rewards guides, credit advice, and comprehensive credit card reviews.

Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.