4
Benefits4
Reward Categories5x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: the-vitamin-shoppe-healthy-awards-visa
Issuer: BreadFinance
Card Name: The Vitamin Shoppe® Healthy Awards Visa® Credit Card
Card Type: Credit
Network: Visa
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
The Servicemembers Civil Relief Act (SCRA) provides protections for active duty servicemembers, including a 6% interest rate cap on pre-service obligations. Eligible servicemembers may qualify for these benefits.
Rewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| The Vitamin Shoppe Purchases | 5x | Points | Eligible purchases at The Vitamin Shoppe and vitaminshoppe.com | No Cap | |
| Gas | 2x | Points | Eligible purchases at merchants classified as gas stations | No Cap | |
| Groceries | 2x | Points | Eligible purchases at merchants classified as grocery stores | No Cap | |
| All Other Purchases | 1x | Points | All other purchases everywhere Visa credit cards are accepted | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x at The Vitamin Shoppe; 2x on gas and groceries
Quarterly Rotating: No
Expiration Policy: Points expire 24 months from the date they are earned. Rewards certificates expire 60 days from issuance.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 4 Total
PENDINGShopping 4
Accelerated Rewards Earning at The Vitamin Shoppe
5 points per $1Cardholders earn 5 points for every $1 spent on purchases made at The Vitamin Shoppe, both in-store and online.
Accelerated Rewards Earning on Gas and Groceries
2 points per $1Cardholders earn 2 points for every $1 spent on eligible gas and grocery purchases.
Standard Rewards Earning on All Other Purchases
1 point per $1Cardholders earn 1 point for every $1 spent on all other purchases where Visa credit cards are accepted.
Healthy Awards Reward Redemption
$10 reward for 2,000 pointsAccumulated points can be redeemed for Healthy Awards Rewards. Every 2,000 points can be redeemed for a $10 reward, issued in increments of $10. Rewards typically expire 45 days from issuance.
Benefits Summary (Flags)
PENDINGExtended 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
PENDING$25
Cash BackTiming: Get a $25 Healthy Awards Reward when you open and use your new The Vitamin Shoppe Healthy Awards Visa Credit Card account the same day as approval.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User 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 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
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, applicants must be 18 years or older, a U.S. resident with a valid SSN/ITIN, and possess a credit history that meets BreadFinance's underwriting standards. Eligibility may be impacted by existing BreadFinance accounts and recent credit inquiries. The typical sign-up bonus offers a statement credit or Healthy Awards points after meeting a specified spending threshold within the initial months. Store-specific restrictions apply to earning and redeeming rewards, primarily at The Vitamin Shoppe locations or online. BreadFinance reserves the right to deny applications based on creditworthiness or perceived risk.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: BreadFinance does not have a strict 'X/24' rule like some issuers. However, applications are subject to an overall assessment of the applicant's credit profile, existing BreadFinance relationships, and total credit exposure across all BreadFinance-issued cards. Approval for new cards may become more challenging with a high number of existing accounts or a very high cumulative credit limit with the issuer, indicating a soft 'cliff' based on total exposure rather than a hard count.
Special Events: Expect enhanced Healthy Awards point earning opportunities during specific promotional periods (e.g., 'Healthy Habits' month, seasonal sales, new product launches) at The Vitamin Shoppe. Cardholders may also receive exclusive discounts or early access to sales events.
Holiday Promos: Anticipate special bonus point offers or discounts during major shopping holidays such as Black Friday, Cyber Monday, Christmas, and New Year's 'Resolution' sales, specifically for purchases made at The Vitamin Shoppe.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Good rewards for frequent Vitamin Shoppe shoppers, exclusive discounts and promotions, relatively easy application process for fair credit.
Top Negative:
High Annual Percentage Rate (APR), limited rewards value outside of Vitamin Shoppe purchases, reports of inconsistent customer service, potential for confusing reward redemption process.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Capital One SavorOne Rewards Credit Card
- Amazon Prime Rewards Visa Signature Card
- Target RedCard (Debit or Credit)
Card Value Score: 65.0 / 100
Est. Annual Rewards: $150.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0