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UpvotesImagine® Visa® Credit Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The Imagine® Visa® Credit Card. Compare to other cards and apply online in secondsJohn Kiernan
WalletHubHigh rewards rateQualify with fair creditHigh membership feesHigh regular APRForeign fee
WalletHubHigh rewards rateQualify with fair creditHigh membership feesHigh regular APRForeign feeImagine® Visa® Credit Card
Imagine® Visa® Credit Card
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KEY TERMS
Credit Score
Credit Score
Fair Credit
Annual Fee
$99-175 intro 1st yr, $49 after
APR on Purchases
36% Fixed
Balance Transfer
APR: 36% Fixed
Balance Transfer Fee
Rewards
Earn Cash Back Rewards* - 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
*See Program Terms for important information about the cash back rewards program.
Imagine® Visa® Credit Card's Additional Info
Up to $1,000 credit limit subject to credit approval
$0 fraud liability**
No Security Deposit
The Imagine Card is issued by WebBank
Review Cardholder Agreement for rate and fee information.
**Zero liability subject to Visa’s Zero Liability Policy.
| cash advance fee | 5% (min $5) |
| cash advance APR | 36% Fixed |
| foreign transaction fee | 3% |
| smart chip | Yes |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
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Imagine® Visa® Credit Card Pros & Cons
High rewards rate
Qualify with fair credit
High membership fees
High regular APR
Foreign fee
Compare The Imagine® Visa® Credit Card vs. Popular Alternatives
annual fee$99-175 intro 1st yr, $49 after | annual fee$0 | annual fee$39 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro apr1.99% for 12 months from account opening on balance transfers made in the first 60 days|Transfer Fee: $0 | transfer intro aprNot Offered |
Regular APR36% Fixed | Regular APR14.15% - 18.00% Variable | Regular APR28.99% (V) |
Sponsored Apply Now | Sponsored Apply Now | Sponsored Apply Now |
Imagine® Visa® Credit Card Q&A
Can't find what you are looking for? Submit your question about Imagine® Visa® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
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UpvotesHow can I get an Imagine Visa Credit Card credit limit increase?
Reply
Chip Lupo
You can increase your Imagine® Visa® Credit Card credit limit by using the card regularly, staying below your credit limit, and paying more than the minimum amount due each month. Imagine® Visa® Credit Card does not accept credit limit increase requests from cardholders, though they do keep track of your account activity to see if you are eligible for a credit limit increase.
If you do qualify for a higher credit limit, the increase will apply automatically, and you will be notified via email.
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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Offer last updated: Feb 10th, 2026 at 09:50 ET