06 Feb

VITAL Card Review – How It Works, And How It Compares

If you're comparing credit cards and keep seeing the VITAL card pop up, you may be wondering why this credit card is gaining so much traction so quickly. Is it really possible to make money on other people's purchases? Keep reading this detailed review to find out how!

How Does the VITAL Card Work?

The VITAL card is a credit card that pays you through referrals. If you sign up a few of your friends, VITAL will pay you. VITAL is a credit card company that is growing its customer base. A team of lawyers, bankers, and entrepreneurs formed the company to help members earn money through it. The VITAL credit card is the first credit card to offer recurring referral bonuses.

To get approval for a VITAL credit card, you are required to qualify for the basic entry-level credit card. This credit card works through network marketing to its customers. For every person you refer, VITAL gives you some points and some cash amount. There is a calculator on VITAL's website that helps you to calculate or see the amount of money you can earn each month for every referral.

Get VITAL Card (Early Access)


How You Can Earn Money

Earning money from the VITAL card involves a couple of things. You start earning 1% cash back immediately on all of your transactions. VITAL credit card also lets you earn through referrals. Every time you sign up a family member or friend for a VITAL card, you earn 4 points towards your VITAL score. Interestingly, earning from your referrals doesn't stop at that. You will also earn 2 points when the friends of your friends sign up for the credit card. In addition, you receive 1 point for third-tier sign-ups.

VITAL will then add up the points that you've earned throughout the month to your VITAL score. They will then share the rewards with every member accordingly. However, you have to ensure that the friends you sign up keep their cards active; otherwise, you will not receive the points. All they have to do is spend a minimum of $1 each month to be considered as active members.

VITAL affords to give its members cash rewards because every time you swipe your card at a store, you get a 1% cash back while 1% of your purchase is added to the company's cash rewards pool. The money put back is then redistributed to VITAL members appropriately. However, for members to be admissible to the cash rewards program, they have to spend at least $250 every month. If you fail to reach this target, you will not receive earnings from your referrals during that month.

Interestingly, the VITAL's cash reward program is not taxed. Therefore, if you spend $250 each month and continue referring friends, you are guaranteed to receive earnings from VITAL.

How VITAL Compares to Other Credit Cards

Besides the VITAL credit card, there are other credit cards from reputable credit card companies. These cards differ from one another, and this VITAL credit card review will expound on this. For starters, the VITAL card is different from other credit cards because it is the first and only credit that offers recurring referral bonuses. With VITAL, you get to earn cash rewards, and there are no monthly or annual fees involved.

Unlike other credit cards, VITAL shares its profits with its members through the reward program. In addition, VITAL offers competitive APRs, and they are backed by Visa. Once you sign up for a VITAL credit card, you can choose the color you want your card to come in. The VITAL card is made of aluminum, and it comes in space gray, matte black, gold and rose gold.

Apart from VITAL credit card, Chase credit card also offers referrals. However, Chase only offers one-time referrals. With the Chase credit card, you are supposed to invite a friend to apply for the card- it is a requirement to make the invite from the card you own. When your friend or family member applies for the card and gets accepted, you will earn bonus points.

There is no limit as to how many friends you would like to invite, but the referral bonus points you earn each year have a limit. The referral bonus points awarded can range from 5,000 to 20,000. The points you earn are relative to the card you choose. Chase has several cards that participate in the rewards program.

Get VITAL Card and Start Referring

Another reputable credit card company is American Express. This card is widely used. However, compared to the VITAL credit card, AMEX doesn't offer rewards for referrals. Despite this, AMEX has some of the highest cash back percentages in the credit card industry. AMEX has a blue cash everyday card that offers 3% cash back at U.S. supermarkets when you make purchases of up to $6,000 every year. This card also offers 2% cash back at U.S. gas stations and select stores.

Moreover, AMEX has a $150 statement credit after you spend $1,000 on purchases using your new card within the first three months. So, if you are looking to earn more from your credit card, the VITAL credit card would be best suited. If you have some friends that can sign up for VITAL card, you will earn referral bonuses- an option that AMEX doesn't have. Referrals stand as the best way to earn from your credit card.

Other VITAL Reviews

The VITAL credit card has gained some popularity, and those who already own the card have nothing short of positive reviews about it. Some of the users claim that they are excited to continue earning more from VITAL. Some users also claim that VITAL's referral program is an excellent system that can be used effectively to generate leads.

Other members claim that they are glad to have signed up for the VITAL credit card because it comes with numerous benefits. Some are eager for any new releases from VITAL, while others say that it is a great opportunity to be part of the VITAL community.

In case you have any questions or further comments about this card, feel free to share your thoughts and opinions in the comments at the bottom of this post.

Frequently Asked Questions (FAQs)

What is VITAL credit card, and how does it work?

The VITAL card is a credit card that pays you cash for getting other persons to sign up for the card. You earn money according to the number of people you refer.

Isn't this a pyramid scheme?

No, this company is not a pyramid scheme. The company uses people's networks to market, a strategy often abused by pyramid schemes. This great card allows you to earn from your accepted referrals. Also, if you are not part of the cash rewards program, you will still get 1% cashback on every purchase.

How do I become eligible for the cash rewards program?

You have to spend a minimum of $250 every month.

Am I charged any fees?

No, there are no fees charged for a VITAL credit card. The reward program is also tax-free.

How do I grow my VITAL score?

Your VITAL score grows with the number of your referrals. For every friend you refer, you earn 4 points. For second-tier and third-tier sign-ups, you earn 2points and 1 point respectively.


Ready to give the VITAL Card a try? They're currently in pre-launch so all you have to do now is provide your email to reserve your spot. Then refer your friends before someone else does!

07 Dec

Citi Double Cash Card Review – Get Rewarded For Every Purchase

citi double cash card review

Picking the right credit card can be a confusing process. Every credit card company has their gimmick or benefit, and it’s often difficult to tell which card is the best decision for you. In this review, we take a look at the Citi Double Cash card, and whether or not it’s worth signing up. Read on and see what you think of the Citi Double Cash card and if this credit card is the right selection for you.

What is the Citi Double Cash Card?

The Citi Double Cash card is a cash back card that is directed towards those with a good to excellent credit score. If your credit score is down at the moment, you may want to apply for another card as it’s likely you won’t be approved. Although the standards are a bit high, they are far lower than some of the comparable cards that require excellent credit. If you have good credit, the Citi Double Cash card is a good way to earn cash back on purchases, both when you buy and when you pay.

This card isn’t as flashy as some others that change their reward system every month. Some find their stratagem better, though, as its rewards system is more dependable while it’s static. Instead of offering 5% or 6% for specific purchases, then changing every quarter, the Citi Double Cash card gives you 1% cash back on every purchase. You don’t have to use the card exclusively for gas or groceries to get the reward, meaning this option could be your primary purchasing credit card.

How the Citi Double Cash Card Works

The main feature that sets the Citi Double Cash card apart from the competition is the 1% cash back when you buy and 1% cash back when you pay. As stated above, this feature works on all purchases, so you won’t have to stay up to date with the quarterly offerings. The double cash back cited in the card’s name also offers a strong incentive to pay your credit card bill. The sooner you pay, the sooner you get the second half of the reward.

There are several other benefits to the Citi Double Cash card apart from the main cash-back feature. The card offers a late fee pass on your first missed payment. If paying for your monthly purchases slips your mind, you’ll be able to make them up one time without being penalized.

Another benefit the card offers what they call “Citi Price Rewind.” This program ensures that you get the lowest possible price on an item. If they find the same product at a lower rate in the next 60 days, you should receive the difference. By signing up, you’ll also be eligible for the Citi Private Pass, which offers exclusive presale tickets to concerts, sporting events, movie screenings, and more.


The standard variable APR of the Citi Double Cash card is 14.49% to 24.49% depending on your creditworthiness. On balance transfers, though, the Citi Double Cash card offers 0% APR for the first 18 months. After that, the fees will revert to the standard rate for any unpaid balance. There is no late fee for your first tardy payment, but after that, it will cost you up to $35. The same goes for a returned payment.

The annual fee for the Citi Double Cash card is $0, which is good for those who don’t want to pay attention to how much they need to spend to break even. This feature means you can use the card as much or as little as you like without losing money in the long run. Annual fees can be a pain to keep track of and require you to use their card to get your money back.

Steps to Get Started

  1. Check your credit score.
  • First, you’re going to want to check your credit score.
  • Unlike some competitors, the Citi Double Cash card accepts good credit and isn’t exclusive to excellent credit.
  • You’ll want to know if you’re in the range of credit before you apply
  1.  Look at the competition.
  • Take a look at some competing offers to see what works best
  • f you have excellent credit, you may want to get a card with a more personalized reward system
  1.  Decide what you’re using this card for.
  • If you’re only going to use the card for gas, you could choose one that rewards exclusively gas purchases.
  1. Apply on the Citicards.com website
  • Apply for the Citi Double Cash card if you think it’s the right selection for you.
  • Use their website to fill out your information, and see if you qualify.

Pros and Cons of the Citi Double Cash Card


  • No annual fee
  • Great rewards system
  • 0% APR for the first 18 months on balance transfers
  • Accepts good credit, not just excellent credit


  • No signup bonus
  • No 0% APR for purchases
  • Low credit limit

Public Perception (Other Citi Double Cash Card Reviews)

The general opinion of the Citi Double Cash card is that it works well for those who want a versatile card with a high cash back system. People who add the card for substantive purposes tend to be happy, but those who use it as their main card have run into some trouble. From user experiences, it would seem that the fraud detection can be a bit trigger-happy. Having a secure card isn’t the worst thing, but it can be annoying to have your card declined for possible fraud multiple times.

Another issue that users seem to have is the low monthly limit. It would appear that no matter your income, the Citi Double Cash card doesn’t offer too much in the way of monthly spending limits. This card is ideal for those who want to use it here and there, but not as good if you’re looking for a card that will take care of all of your expenses.


Consider the Blue Cash Preferred Card from American Express if you’re interested in the static rewards system of the Citi Double Cash card but want to take a look at other options. It comes with an annual fee of $95 but offers 6% cash back on groceries, 3% on gas, and 1% on everything else. It will require a similar credit score but is another option that doesn’t change its reward scheme.

If you won’t qualify for either of these cards, the QuicksilverOne card from Capital One is a reliable choice. It offers 1.5% cash back on everything, with a small annual fee of $39. There’s a higher APR with this card, but that you should expect if you’re searching for a card for a lower credit score.

Should You Apply for the Citi Double Cash Card?

The Citi Double Cash card is worth applying for in most circumstances. For no annual fee, it offers a total of 2% cash back on all purchases with no limit. It’s hard to match this reward system, especially when it’s combined with the other perks you’ll get with the card. There are some drawbacks, namely the spending limit, but these negatives can be mitigated if you have other cards at your disposal. Overall, the card is solid and is at least worth strong consideration if you’re looking for a new card.