The Vitamin Shoppe Healthy Awards Credit Card
Basic Information
Program ID: the-vitamin-shoppe-healthy-awards-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:19
Last Scraped: 01/15/2026 14:21
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 6 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $2,500.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Points are typically posted to your Healthy Awards account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x The Vitamin Shoppe
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months from the date they are earned.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: For 2026, new cardholders are eligible for a $25 statement credit after spending $100 within the first 90 days of account opening, or 20% off their first Vitamin Shoppe purchase made with the card (up to a maximum discount of $50), whichever is greater. Eligibility requirements include being at least 18 years old (19 in Alabama and Nebraska), a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and generally requiring a fair to good credit score. An active Vitamin Shoppe Healthy Awards membership is typically a prerequisite for application.
Maximum Cards Per Issuer: 8
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: Manufactured spending, excessive returns, defaulting on payments, fraudulent activity, sudden large purchases inconsistent with typical spending patterns, or accumulating a high cumulative credit limit across multiple BreadFinance accounts without sufficient income to support it.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Exclusive discounts and rewards for loyal Vitamin Shoppe customers; relatively easy to get approved for store purchases.
Top Negative Feedback:
High interest rates; poor customer service from Comenity Bank; limited rewards value outside of The Vitamin Shoppe; frequent account issues.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Target RedCard
- Amazon Prime Rewards Visa Signature Card
- Citi Double Cash Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $80.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 42 months
Store vs Co-brand: 70% Store / 30% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0