# Vital Card — The credit card worth sharing > A World Elite Mastercard offering cash rewards for spending and referrals. (iPhone/iPad app by VITAL Card Inc.) - Source: https://appshunter.io/ios/app/vital-card/id1565042368 (this page in markdown: same URL + `.md`) - Developer: [VITAL Card Inc](https://appshunter.io/developer/1623666927) - Category: Finance - Price: Free - Rating: 4.33/5 from 18 App Store ratings · 5 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 104 MB - Languages: English - Released: 2022-05-11 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/vital-card/id1565042368/reviews.md ## What is Vital Card? 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 ___________ Security: - 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 https://vitalusers.vitalcard.com/en/collections/3208855-top-questions ## Key features - Earn cash rewards for referrals - Cash rewards for credit score gains - Unlimited 1.5-3% cash back - Track spending by week, month, or year - Monitor credit score and behavior insights - Freeze card anytime - Schedule payments ## Recent user reviews (5 of 5) All indexed reviews: https://appshunter.io/ios/app/vital-card/id1565042368/reviews.md ### 5/5 — Great Card & Easy App *2024-03-20* Super easy signup & love having cash back and metal card. The app shows me my entire credit history, it’s like a free credit monitoring app too! ### 5/5 — Love it! Unbelievably smooth experience! *2023-09-21* 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! ### 1/5 — Nothing *2023-09-20* Still not allowing people to apply but still soliciting referrals that you send out to your friends for them, what’s the point your friends can’t apply either. ### 1/5 — This is a dud *2023-09-15* 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: https://www.vitalcard.com/ 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. ### 5/5 — This is what a banking app should be! *2022-06-11* Wow! Beautiful design. Love the credit gamification. Easy to use. Brilliant- this is the number one credit card app I’ve ever seen! ## Frequently asked questions about Vital Card ### What is Vital Card? Vital Card is a World Elite Mastercard that rewards users for responsible spending and referrals. It offers a luxury experience with accessible perks and a cash-reward model, allowing users to earn cash back and improve their credit score. ### How can I earn cash rewards with Vital Card? You can earn cash rewards through several methods: referral rewards for inviting friends, credit health rewards for improving your credit score, and unlimited 1.5% cash back on all purchases. You can also earn up to 3% cash back on purchases for limited periods based on referrals. ### Is Vital Card secure? Yes, Vital Card offers robust security features. It includes ID theft protection with World Elite Mastercard and allows you to freeze your card anytime directly through the Vital Card App for added peace of mind. ### What financial tracking features does Vital Card offer? The Vital Card App provides comprehensive financial tracking. You can monitor your spending in real-time by week, month, or year, track monthly updates to your credit score, and view new insights into your credit behavior. ### What devices is the Vital Card App available on? The Vital Card App is available for iPhone, iPad, and iPod devices, indicated by its support for iOS devices. ### How often is the Vital Card App updated? The Vital Card App was last updated on January 10, 2025, with version 3.0.3. This indicates a commitment to regular updates and improvements. ### What are the requirements to receive referral rewards with Vital Card? To be eligible for referral rewards, Vital cardholders must spend at least $250 per month and maintain their account in good standing. More details on rewards can be found at https://vitalusers.vitalcard.com/en/collections/3208855-top-questions. ### Does Vital Card have ads? No, the Vital Card app does not contain advertisements. It is a free application focused on providing financial management tools without ad interruptions. ## Version history (last 5 releases) ### 3.0.3 — 2025-01-10 We have fixed several performance related issues and bugs to make your experience better. We hope you enjoy the updates to the application. ### 3.0.2 — 2024-12-24 We have fixed several bugs and have enhanced your on-boarding experience. We hope you enjoy the updates to the application. ### 3.0.1 — 2024-11-26 We have improved the performance of the app and have fixed several bugs to make your experience better. We hope you enjoy the updates to the application. ### 3.0.0 — 2024-09-17 Vital Card App 3.0.0 introduces the Vital Cash Card, which allows users to spend and save cash rewards ### 2.2.0 — 2024-07-26 Just making some improvements! ## Apps similar to Vital Card | App | Rating | Price | Category | | --- | --- | --- | --- | | [Experian®](https://appshunter.io/ios/app/experian/id1087101090) | 4.8 (2,650,751) | Free | Finance | | [Gauss: Payoff Credit Card Debt](https://appshunter.io/ios/app/gauss-payoff-credit-card-debt/id6445810443) | 4.9 (3,081) | Free | Finance | | [Arro: Build & Grow Credit](https://appshunter.io/ios/app/arro-build-and-grow-credit/id6449683788) | 4.6 (1,669) | Free | Finance | | [Credit Sesame: Grow Your Score](https://appshunter.io/ios/app/credit-sesame-grow-your-score/id476718980) | 4.8 (436,564) | Free | Finance | | [Kikoff – Build Credit Quickly](https://appshunter.io/ios/app/kikoff-build-credit-quickly/id1525159784) | 4.9 (247,679) | Free | Finance | | [Atlas - Rewards Credit Card](https://appshunter.io/ios/app/atlas-rewards-credit-card/id1617487581) | 4.7 (222,034) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*