The Pyramid Scheme of Credit Cards? Stay Away!!!

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vital visa card

Vital Visa Card: The Pyramid Scheme of Credit Cards? Stay Away!!!

There’s a new credit card coming to market soon, called VITAL. This is a Visa card that will offer a beautiful slick aluminum design and choices of several cool colors. That really sums up all the benefits of this card. Now let’s take a look at the other details.


VITAL describes itself as the credit card that pays you to share. Get paid cash forever for each person you sign up. Plus earn 1% cash back on all transactions with no annual fee. The referral bonus is based on the amount of people that you refer, and the amount of people that they refer, and the amount of knives that they sell people that they refer, and so on. You get the idea.

VITAL is currently in prelaunch mode; they plan to deliver cards around mid 2018. During prelaunch, members have the opportunity to grow their VITAL Score. This will translate to more cash rewards once they launch in 2018.

Referral Cashback Bonus

This is where it gets complicated, and shadier.

For each person you refer, and that they refer, you get points. Every time you sign up a friend to VITAL you earn 4 points towards your VITAL Score. Plus, you get an additional 2 points for everyone your friend signs up and another 1 point for the people they sign up.

VITAL takes everyone’s score at the end of each month, adds them up and then pays out
each member their piece of the total pie. Every time you swipe your VITAL Card to pay for something, 1% of the transactions goes right back to you in the form of cash back and 1% of the transaction gets deposited into the Cash Rewards Pool, which is the total pie.

VITAL estimates that if you refer 4 people and they are approved, you can make $210 every month. However, that calculation assumes your friends refer at least 4 people. Example is also based on 100,000 total VITAL users with an average monthly spend of $1,500.

Also each member has to spend at least $250 monthly in order to be eligible for cashback.

So if you can find enough people you don’t like, and can get them to sign up for this card, and they find enough people they don’t like and get them to sign up, you can definitely make lots of money.


It’s really difficult to describe this card in a few words. It’s basically a 1% Visa card with no annual fee. You will not see any referral cash back most likely or maybe a few bucks if you’re able to trick anyone into signing up, if the card ever becomes available. The main draw will be the cool colors and the design, but otherwise there’s about 647 other credit cards worth getting before this one.

With that said, if there’s anyone that’s still reading, I have a referral link for you. You can sign up here and start enjoying the benefits of the VITAL card.

If you want to find out more about the card you can also read their FAQ here. But the fact that one of those questions is “Is VITAL a Multi Level Marketing (MLM) or pyramid marketing company?”, should tell you all you need to know.

Let us know what you think in the comment and which color will you pick if you apply. Keep in mind that you need 2 referrals before you’re able to select any of the premium colors.

Based in NYC. Points/miles enthusiast for years and actively writing about it for the last two years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

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Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. While this may be a bad deal and pyramid scheme. It may that much worse than certain misguided credit card.advise at the expense of readers in some cases. Thats more of a.confidence game I assume. Mr Bow Tie comes to mind.

  2. Oh no, it’s not a pyramid scheme… this is “Multi Level Marketing”. Totally different. (says every sucker that gets roped into one of these things)

    • They do say “If we’re being honest, we don’t like MLM companies because MLM companies often stick lots of their “sales members” with inventory”. With VITAL you get a free card and 1% cashback 🙂


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