6
Benefits3
Reward Categories5x
Max Reward—
APR FromBasic Information
PENDINGProgram ID: vitamin-shoppe-healthy-awards-martha-stewart-credit-card
Issuer: BreadFinance
Card Name: The Vitamin Shoppe Healthy Awards 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 certain protections for servicemembers, including interest rate limitations and other relief, when they enter military service.
Rewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| The Vitamin Shoppe Purchases | 5x | Points | Eligible purchases made at The Vitamin Shoppe stores and vitaminshoppe.com. | No Cap | |
| Groceries | 2x | Points | Eligible purchases made at grocery stores. | No Cap | |
| All Other Purchases | 1x | Points | All other eligible purchases everywhere Visa is accepted. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 6 Total
PENDINGRewards 4
Accelerated Rewards Earning at The Vitamin Shoppe
3 points per $1Earn 3 Healthy Awards points for every $1 spent on eligible purchases at The Vitamin Shoppe with your credit card.
Standard Rewards Earning Everywhere Else
1 point per $1Earn 1 Healthy Awards point for every $1 spent on eligible purchases everywhere else Visa is accepted.
Healthy Awards Reward Redemption
$10 reward for 1,000 pointsReceive a $10 Healthy Awards Reward for every 1,000 points earned. Rewards are issued in increments of $10.
Healthy Awards Reward Expiration
90 daysHealthy Awards Rewards expire 90 days from the date of issuance.
Shopping 2
Special Financing Offers
VariesAccess to special financing offers on qualifying purchases made with The Vitamin Shoppe Healthy Awards Credit Card. Specific terms and availability may vary.
Exclusive Cardmember Offers
VariesReceive exclusive offers and promotions available only to The Vitamin Shoppe Healthy Awards Credit Cardmembers.
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: The $25 statement credit will be applied to your account within 1-2 billing cycles after the qualifying purchase is made.
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 balance transfer, whichever is greater |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 3.00% |
Interest Rates & APR
PENDINGStandard APR
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Vitamin Shoppe Healthy Awards Martha Stewart Credit Card, issued by BreadFinance, offers a welcome bonus typically structured as a discount on the first Vitamin Shoppe purchase (e.g., 15% off) made within 30 days of account opening, combined with a statement credit (e.g., $25) after meeting a minimum spend threshold (e.g., $500) on non-Vitamin Shoppe purchases within the first 90 days. Eligibility requirements for application include being at least 18 years of age (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing a fair to good credit history. Applicants must also be a member of The Vitamin Shoppe Healthy Awards program or enroll during the application process. Approval is subject to BreadFinance's credit underwriting standards, which consider factors such as credit score, income, existing credit obligations, and payment history. Applicants with recent bankruptcies or defaults on BreadFinance products are typically ineligible.
Max Cards Per Issuer: 2
Min Spend Interval: 3 months
Cliff Effect Rules: Bonus offers for this card are generally considered once per lifetime per card product. Re-application for the same card after account closure may be subject to a waiting period (e.g., 24 months) and may not qualify for a new welcome bonus. BreadFinance may also limit the total number of active credit accounts an individual can hold with them, typically to two or three, based on overall credit exposure and risk assessment.
Special Events: Cardholders typically receive exclusive discounts (e.g., 10-20% off select categories or brands), double or bonus Healthy Awards points on specific purchase days or categories, early access to Vitamin Shoppe sales events, personalized birthday rewards, and complimentary standard shipping on all Vitamin Shoppe online orders.
Holiday Promos: Key promotional periods include Black Friday/Cyber Monday (November), the broader Holiday Shopping Season (December), New Year's Health & Wellness Sales (January), Spring Refresh Sales (March/April), and various seasonal health-focused events throughout the year.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.7 / 5.0
Top Positive:
Good for earning rewards on Vitamin Shoppe purchases, easy approval process, and benefits for loyal customers.
Top Negative:
High interest rates, poor customer service, limited utility outside the store, and issues with reward redemption and credit limits.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Capital One Quicksilver Cash Rewards Credit Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $35.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0