The Vitamin Shoppe Healthy Awards Martha Stewart Credit Card
Basic Information
Program ID: vitamin-shoppe-healthy-awards-martha-stewart-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:12
Last Scraped: 01/15/2026 12:13
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| 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
Purchase APR Range: 3,224.00% - 3,224.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Cash Advance APR: 3,224.00%
Sign-Up Bonus
Bonus Amount: $1,000.00
Spending Requirement: $1.00
Time Period: 90 days
Bonus Timing: Points are typically awarded within 1-2 billing cycles after the qualifying purchase is made.
Rewards Program
Reward Type: Store Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x points on purchases at Vitamin Shoppe; 2x points on select Health & Wellness related purchases (e.g., pharmacies, fitness clubs); 1x point on all other eligible purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after issuance or upon account closure, whichever comes first.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Primary Rental Protection
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion, Experian
Issuer Rules
Rules: This co-branded store credit card, issued by BreadFinance, is designed for frequent Vitamin Shoppe customers. Eligibility requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number, and have a credit history that meets BreadFinance's underwriting standards for store cards. Membership in The Vitamin Shoppe Healthy Awards program is typically a prerequisite or automatically granted upon approval. The sign-up bonus, often awarded as Healthy Awards points or a statement credit, is usually contingent on making a first purchase within a specified timeframe (e.g., 30-90 days) or spending a small threshold amount. Applicants are generally eligible for one sign-up bonus per lifetime for this specific card product, with a potential waiting period (e.g., 24 months) after closing a previous iteration of the card to re-qualify for a new bonus.
Maximum Cards Per Issuer: 99
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases), sudden drastic changes in spending patterns, high cumulative credit limit across multiple BreadFinance products, late payments or defaults on any credit obligations, suspected fraudulent activity, excessive product returns, or opening multiple store credit accounts with BreadFinance within a short period.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Great for loyal Vitamin Shoppe shoppers, good rewards on purchases, easy to earn discounts.
Top Negative Feedback:
High interest rates, poor customer service from Comenity, rewards can be difficult to redeem or expire.
Approval Experience Score: 72.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature Card
- Capital One SavorOne Cash Rewards Credit Card
- Discover it Cash Back
Card Value Score: 70.0 / 100
Est. Annual Rewards: $120.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 60% Store / 40% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0