The Vitamin Shoppe® Healthy Awards® Credit Card

BreadFinance Visa Visa Signature Pending

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5

Benefits

2

Reward Categories

5x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: the-vitamin-shoppe-healthy-awards-credit-card

Issuer: BreadFinance

Card Name: The Vitamin Shoppe® Healthy Awards® Credit Card

Card Type: Credit

Network: Visa

Card Tier: Visa Signature

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 14:19

Last Scraped: Feb 07, 2026 04:56

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

If you are a Servicemember and have questions about your account or your rights under the SCRA, please contact us at 1-800-204-8000.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
The Vitamin Shoppe Purchases 5x Points Purchases made at The Vitamin Shoppe® No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa® is accepted No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
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Security 1
Zero Liability Protection
Full protection against unauthorized charges

Cardholders are not responsible for unauthorized purchases made with their Vitamin Shoppe Healthy Awards Credit Card. This protection applies to purchases made in stores, over the phone, online, or via mobile device.

Shopping 4
Points Earning - The Vitamin Shoppe
2 points per $1 spent

Earn 2 Healthy Awards points for every $1 spent on qualifying purchases at The Vitamin Shoppe stores and on vitaminshoppe.com. Points are rounded to the nearest whole point. Excludes returns, refunds, unauthorized charges, fees, and interest.

Points Earning - Everywhere Else
1 point per $1 spent

Earn 1 Healthy Awards point for every $1 spent on qualifying purchases everywhere else Visa is accepted. Points are rounded to the nearest whole point. Excludes returns, refunds, unauthorized charges, fees, and interest.

Reward Redemption
$5 Reward for 500 points (expires in 90 days)

Receive a $5 Reward certificate for every 500 Healthy Awards points earned. Rewards are issued in increments of $5 and expire 90 days from the date of issuance. Rewards can be redeemed at The Vitamin Shoppe stores or online, but cannot be used for gift cards or exchanged for cash.

Special Financing Offers
Varies by offer

Access to special financing offers on qualifying purchases made with The Vitamin Shoppe Healthy Awards Credit Card. Specific terms and conditions, including minimum purchase requirements and promotional periods, apply to each offer.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Balance Transfer APR: 32.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 or 12 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Supported
Application Process
Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the The Vitamin Shoppe Healthy Awards Credit Card (2026) requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a good to excellent credit history. Approval is subject to BreadFinance's comprehensive underwriting criteria, including income verification and assessment of existing credit obligations. New cardholders are typically eligible for a one-time bonus, such as a percentage discount on their first purchase at The Vitamin Shoppe or a specific amount of Healthy Awards points (e.g., 2,500 points equivalent to a $10 reward) after making their first purchase or meeting a minimum spend requirement within the first 90 days of account opening.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all BreadFinance accounts, excessive credit seeking (numerous applications in a short period), late or missed payments on any BreadFinance account, suspicious spending patterns inconsistent with typical consumer behavior, abuse of return policies or promotional offers, and any suspected fraudulent activity.

Cliff Effect Rules: BreadFinance generally does not impose 'cliff effect' rules for bonus eligibility across different co-branded store cards; each card's bonus is typically independent. However, overall credit exposure and the number of active accounts with BreadFinance will influence approval for new credit products, even if not directly impacting existing card bonuses.

Special Events: Healthy Awards Member-exclusive sales and early access events, double or triple points promotions on specific product categories or during certain periods, anniversary sales for the Healthy Awards program or the credit card, in-store promotional events with additional discounts for cardholders, and targeted offers based on purchase history.

Holiday Promos: New Year's 'Health & Wellness Resolutions' sales (January), Spring Refresh/Detox promotions (March-April), Summer Fitness sales (June-July), Fall Immunity Boost promotions (September-October), Black Friday/Cyber Monday (November), and Holiday Gift Guide promotions (December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Users appreciate the specific rewards and discounts offered at The Vitamin Shoppe, making it valuable for frequent shoppers. Some find it easy to get approved, aiding in credit building.

Top Negative:
Common complaints include high annual percentage rates (APRs), limited utility outside of The Vitamin Shoppe, and issues with Comenity's customer service. Some users report low credit limits and difficulties managing their accounts.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Citi Double Cash Card
  • Discover it Cash Back
  • Amazon Prime Rewards Visa Signature Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $95.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0