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Vital Credit Card? (social networking credit card)

Sasuke
Contributor

Vital Credit Card? (social networking credit card)

Has anyone heard of this credit card?  It hasn't been released yet.  The rewards scale with certain activities.  They seem to reward referals as well as certain activities.  So the card is always a 1% cashback card, but it can go as high as 5% depending on your tier.

 

I have a referal link, but I'm sure posting that is against the rules.  If anyone is interested in signing up (they only ask for an email address right now), let me know via a PM.  I will share my referal link that way.  

 

I'll likely apply for the card when its available.  The concept is pretty amazing.  I've never heard of a social networking credit card.

 

Speaking of new cards, I'm eyeing Revolut Metal as well as Blockrize.  I'd def ditch my Discover Miles for a card that gives me 1% back in crypto.  There are some cool products coming out soon.

Alliant Platinum Visa $10,000
AMEX Blue Cash Everyday $1,000
AMEX EveryDay $2,000
BECU Visa $12,500
CapitalOne BuyPower $1,250
CapitalOne QS $7,950
Chartway Federal Credit Union Visa Rewards $20,400
Chase Amazon Prime Rewards $1,000
Chase Disney Rewards $2,500
Citi Double Cash $3,600
Comenity Bank/Arhaus $11,000
Comenity Bank/RH $14,000
Discover Miles $24,000
Jax Fed Platinum Visa $15,000
Langley Cash Back Visa $15,000
Nordstrom Visa $7,500
PenFed Power Cash $4,500
Syncb/Amazon Store Card $6,000
Syncb/Google Store Card $2,200
Syncb/PayPal Cash Back $8,000
Syncb/Walmart Credit Card $500
Target MasterCard $800
Vystar Platinum Visa $10,000
Total revolving credit $180,700

FICO 8: Equifax 736 | Experian 729 | TransUnion 739
Message 1 of 9
8 REPLIES 8
Adkins
Super Contributor

Re: Vital Credit Card? (social networking credit card)

This card has been discussed: https://ficoforums.myfico.com/t5/Credit-Cards/VITAL-Card/td-p/5163422

 

And as recently as two weeks ago: https://ficoforums.myfico.com/t5/Credit-Cards/VITAL-Card-Thoughts/td-p/5325098

 

There are a couple of YouTube reviews on it. My take - not worth it. 



Last HP 09-14-2020



Message 2 of 9
Anonymous
Not applicable

Re: Vital Credit Card? (social networking credit card)

If I'm going to refer friends, I'd rather get the $50 or $100 from Discover or Chase (respectively) than a couple percent extra. Pass.

Message 3 of 9
longtimelurker
Mega Contributor

Re: Vital Credit Card? (social networking credit card)


@Adkins wrote:

This card has been discussed: https://ficoforums.myfico.com/t5/Credit-Cards/VITAL-Card/td-p/5163422

 

And as recently as two weeks ago: https://ficoforums.myfico.com/t5/Credit-Cards/VITAL-Card-Thoughts/td-p/5325098

 

There are a couple of YouTube reviews on it. My take - not worth it. 


I didn't see this mentioned in those threads:

 

Is there a monthly bill to pay with VITAL?

VITAL is a credit card, and therefore a bill is generated each month that must be paid off in full before the payment period ends. Failure to not pay off your bill can result in fees and damage your credit score.

 

 

Sounds like a charge card!

Message 4 of 9
SBR249
Established Contributor

Re: Vital Credit Card? (social networking credit card)


@longtimelurker wrote:
 

Is there a monthly bill to pay with VITAL?

VITAL is a credit card, and therefore a bill is generated each month that must be paid off in full before the payment period ends. Failure to not pay off your bill can result in fees and damage your credit score.

 

 

Sounds like a charge card!


"Failure to not pay off your bill"? What are they trying to say? If I don't carry a balance I will be charged and derogs reported to my CRs? Hard pass.

Message 5 of 9
longtimelurker
Mega Contributor

Re: Vital Credit Card? (social networking credit card)


@SBR249 wrote:

@longtimelurker wrote:
 

Is there a monthly bill to pay with VITAL?

VITAL is a credit card, and therefore a bill is generated each month that must be paid off in full before the payment period ends. Failure to not pay off your bill can result in fees and damage your credit score.

 

 

Sounds like a charge card!


"Failure to not pay off your bill"? What are they trying to say? If I don't carry a balance I will be charged and derogs reported to my CRs? Hard pass.


I missed that bit!   Guess the web site language isn't part of the official agreement fortunately! 

Message 6 of 9
joe8185
Valued Contributor

Re: Vital Credit Card? (social networking credit card)

If I'm going to take a chance on newish/lesser-known cards, Blispay (ID verification problems and all), Petal (which I'm on the waiting list for), and Charity Charge all seem like better deals to me.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 7 of 9
Anonymous
Not applicable

Re: Vital Credit Card? (social networking credit card)


@joe8185 wrote:

If I'm going to take a chance on newish/lesser-known cards, Blispay (ID verification problems and all), Petal (which I'm on the waiting list for), and Charity Charge all seem like better deals to me.


What do you see attractive in Petal? I thought it was only supposed to be useful if you're not generating scores yet.

Message 8 of 9
joe8185
Valued Contributor

Re: Vital Credit Card? (social networking credit card)


@Anonymous wrote:

@joe8185 wrote:

If I'm going to take a chance on newish/lesser-known cards, Blispay (ID verification problems and all), Petal (which I'm on the waiting list for), and Charity Charge all seem like better deals to me.


What do you see attractive in Petal? I thought it was only supposed to be useful if you're not generating scores yet.


No HP for applying (at least that's what I've gathered). Aside from that, though, at this point it doesn't seem particularly remarkable otherwise though things may have changed by the time my number comes up in the wait list. There are much more attractive options, though - I'm seriously cogitating on applying for NFCU cashRewards this weekend (after joining), so if I get that, that Petal won't get plucked.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 9 of 9
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