vcard-global-logovCard Global was founded in 2015 but only recently announced their MLM opportunity.

The company is based out of Florida in the US and headed up by President, Steven Hoffman.

According to his LinkedIn profile, Hoffman has worked in the finance industry since 2009 (“credit restoration, debt reduction and financial consulting”).

A bio on the World’s Fair Capital private investment firm website claims Hoffman

formed a (sic) MLM company in 2000 which produced $1.9 million in sales in the first 90 days.

A YouTube account bearing Hoffman’s name and profile picture was promoting Preservation of Wealth back in 2014:


Under the guise of selling gold and silver, Preservation of Wealth primarily paid affiliates to recruit new affiliates. The company appears to have collapsed in late 2014.

Read on for a full review of the vCard Global MLM opportunity.

The vCard Global Product Line

vcard-global-examplevCard Global market what they claim is “the world’s smartest business card”.

vCard Global’s free vCard contains a logo, phone and email contact details, a headshot, address and map feature.

vCard Pro costs $99 a year and adds

  • a video
  • social media buttons
  • “important links”
  • the ability to add a bio and/or attach a resume
  • post photos
  • promote a product or service
  • create coupons
  • promote events on a calendar
  • gather data from viewers of the vCard
  • generate a QR Code for marketing
  • view traffic stats for your vCard

vCards are hosted on the “” and “” domains and are accessible on any device that has internet connectivity.

A vCard app is also available:

The vCard Global APP is a contact manager for sharing your vCard and storing your vCard contacts in one place.

The vCard Global Compensation Plan

The vCard Global compensation plan pays affiliates when sales of vCard Pro are made.

vCard Global Affiliate Ranks

There are five affiliate ranks within the vCard Global compensation plan.

Along with their respective qualification criteria, they are as follows:

  • vCard Affiliate – purchase a vCard Pro subscription ($99 a year) and pay a $25 affiliate fee
  • Marketing Affiliate – personally recruit at least 2 affiliates and have a total downline of at least 6 affiliates
  • Executive Affiliate – personally recruit at least 3 affiliates and have a total downline of at least 30 affiliates
  • Regional Affiliate – personally recruit at least 4 affiliates and have a total downline of at least 150 affiliates
  • National Affiliate – personally recruit at least 6 affiliates and have a total downline of at least 300 affiliates

Retail Commissions

Retail commissions are paid out on sales of vCard Pro to non-affiliates based on a vCard Global affiliate’s rank:

  • vCard Affiliate – no commission
  • Marketing Affiliate – $15
  • Executive Affiliate – $30
  • Regional Affiliate – $40
  • National Affiliate – $50

Recruitment Commissions

If a vCard Global affiliate signs up five affiliates within thirty days of joining, they receive a $100 commission.

vCard Global affiliates are also paid the retail commission rate when they recruit an affiliate who purchases a vCard Pro subscription.

Residual Commissions

Residual commissions in vCard Global are paid out via a unilevel compensation structure.

A unilevel compensation structure places an affiliate at the top of a unilevel team, with every personally recruited affiliate placed directly under them (level 1):


If any level 1 affiliates recruit new affiliates, they are placed on level 2 of the original affiliate’s unilevel team.

If any level 2 affiliates recruit new affiliates, they are placed on level 3 and so on and so forth down a theoretical infinite number of levels.

vCard Global affiliates are paid on vCard Pro subscriptions sold within their unilevel team through a coded bonus.

Each vCard Pro subscription generates a $50 commission, which is split between Marketing Affiliate and higher ranked vCard Global affiliates.

  • vCard Affiliate – no commissions
  • Marketing Affiliate – $15 commission
  • Executive Affiliate – up to $30 commission
  • Regional Affiliate – up to $40 commission
  • National Affiliate – up to $50 commission

When a vCard Global Pro subscription is sold in a unilevel team, the system pays the immediate upline affiliate according to their rank.

National Affiliates receive the maximum $50 commission payable.

If the immediate upline is a lower-ranked affiliate however, they are paid their commission rate and the system searches further up for higher ranked affiliates.

Eg. An affiliate recruited by a Marketing Affiliate in your unilevel team sells a vCard Pro subscription.

The Marketing Affiliate receives their $15 commission, leaving $35 out of the total $5 commission not paid out.

The system searched further up the upline for an Executive, Regional or National affiliate to pay the remaining $35 out to.

If an Executive affiliate is found, they receive $15 and the system searches higher for a Regional or National affiliate to pay the remaining $20 out to.

If a Regional affiliate is found, they receive $25 and the system searches higher for a National affiliate to pay the remaining $10 out to.

If a National affiliate is found, they receive the remaining $35 and the system stops searching.

In a nutshell, the system will continue to search for higher ranked affiliates until the full $50 on every vCard Pro subscription sale is paid out.

Matching Bonus

vCard Global affiliates earn a matching bonus on commissions earned by affiliates they’ve personally recruited.

How much of a matching bonus is paid out is determined by a vCard Global affiliate’s rank:

  • vCard Affiliate – 20% match
  • Marketing Affiliate and higher – 10% match

By qualifying as a Star affiliate, National and higher ranked affiliates can increase their check match bonus as follows:

  • 1 Star (personally recruit and maintain at least one National Affiliate ranked affiliate) – 11% match
  • 2 Star (personally recruit and maintain at least two National Affiliate ranked affiliates) – 12% match
  • 3 Star (personally recruit and maintain at least three National Affiliate ranked affiliates) – 13% match
  • 4 Star (personally recruit and maintain at least four National Affiliate ranked affiliates) – 14% match
  • 5 Star (personally recruit and maintain at least five National Affiliate ranked affiliates) – 15% match
  • 6 Star (personally recruit and maintain at least six National Affiliate ranked affiliates) – 16% match
  • 7 Star (personally recruit and maintain at least seven National Affiliate ranked affiliates) – 17% match
  • 8 Star (personally recruit and maintain at least eight National Affiliate ranked affiliates) – 18% match
  • 9 Star (personally recruit and maintain at least nine National Affiliate ranked affiliates) – 19% match
  • 10 Star (personally recruit and maintain at least ten National Affiliate ranked affiliates) – 20% match

Joining vCard Global

Vcard Global affiliate membership is $25 a year.

In order to earn MLM commissions a vCard Global affiliate must also purchase vCard Pro ($99 a year).


The legitimacy of vCard Global will be determined by the retail viability of their vCard Pro subscriptions.

The free offering is neither here nor there, as it doesn’t generate any revenue for the company. Rather it’s a sales tool to upsell the vCard Pro subscription service.

That in itself isn’t a problem but if vCard Global affiliates are the only ones paying for vCard Pro, then the company is effectively operating as a pyramid scheme.

Suggesting this is or will be the case when they launch is the fact that vCard PRO is mandatory for all vCard Global affiliates.

Upgrade your vCard FREE to vCard PRO ($99 annually) and purchase the vCard Affiliate Package for $25.00 (annually) to become a vCard AFFILIATE.

This is clearly “pay to play”, with vCard Global affiliates required to purchase a product to earn commissions.

This lends itself to a focus on recruitment of vCard Global affiliates, all of whom have to purchase vCard Pro and generate a commission for the affiliate who recruited them.

Receiving $100 upon recruitment of five affiliates within thirty days of joining the company only further emphasizes recruitment over retail.

vCard Global’s affiliate ranks do the same, requiring only affiliate recruitment to qualify and advance.

At no point in the vCard Global opportunity is the retail sale of vCard Pro subscriptions a focus.

vCard Global also may be charging affiliates for leads, which is a regulatory compliance issue.

GET ROTATOR – programming of our software to rotate a limited number (500) vCard AFFILIATES that will be placed on our homepage.

Every time our home page is refreshed (not a replicated website) a different AFFILIATE shows up. The “ROTATOR” can build your Affiliate Network without you doing anything. Cost $100 per year.

Pay an additional $100 and earn commissions “without you doing anything” certainly sounds like something the SEC might be interested in.

As to the concept itself, a Google search for “digital business card” currently turns up over 24 million results.

Is vCard Global’s $99 a year offering competitive, or does it exist solely to pay recruitment commissions out on?