The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.


How We Calculate Rating

Ratings on Trusted Company Reviews are given by experts in that particular industry. Our experts monitor the brand closely and then give the brand a rating which you can trust.

Our rating score is based on 10 Points and a Five-Star shown alongside the score to easily understand the rating.

We frequently update the ratings of all brands so that you don’t choose a brand by their old  ratings.

Imagine Visa Credit Card Reviews

Home » Finance » Imagine Visa Credit Card Reviews

Table of Contents

Imagine Visa credit card reviews highlight a mix of customers who love the product and those who express having quite unpleasant experiences. The card is designed to help consumers with fair or poor credit build or rebuild their scores.

However, its potentially high monthly and annual fees, among other challenging realities, can limit the card’s ability to assist despite the promise of up to 3% cash back on select purchases.

imagine visa credit card reviews feature image


  • Pre-approval won’t affect your credit score

  • Up to 3% cash back on purchases

  • Free VantageScore 4.0 access

  • No minimum credit score to pre-qualify


  • High annual fee potential

  • Monthly account maintenance fees may apply

  • One-time additional user fee of $19

Imagine Visa Credit Card Reviews: Features and Benefits

The best credit cards for gas and groceries offer multiple percentage points in cash-back rewards. While not one of our top picks in the category, the Imagine Visa credit card does offer 3% cash-cack statement credits for gas, groceries, and utility bill payments. Imagine also provides 1% cash-back on other purchases as well. However, there are numerous other factors about the card to consider before applying.

  • APR 19.24% – 36%
  • Balance transfers available
  • Pre-qualification won’t affect credit score
  • No minimum credit score is required to pre-qualify
  • Cash advances available
  • Mobile app available
  • 3% cash back on gas, groceries, and utility payments
  • 1% cash back on other purchases
  • Rewards are redeemable through automatic annual statement credits
  • $0 to $175 annual fee
  • $5 to $12.50 monthly account maintenance fee may apply
  • Reports to all three major credit bureaus
  • 3% balance transfer fees
  • $5 or 5% cash advance fee (whichever is greater)
  • $41 late payment fee
  • Free VantageScore 4.0 credit score access
  • 3% foreign transaction fees
  • A one-time $19 additional authorized fee applies
  • Credit limit increase requests not accepted
  • Annual fee charged immediately upon card acceptance

Imagine Visa Credit Card Reviews: Editorial Rating

Trusted Company Reviews Rating Score for the Imagine Visa Credit Card: 7.3

Credit cards designed for building or rebuilding poor credit often lack many of the perks of mainstream cards designed for those with better-than-average credit scores. Some of those perks may include cash-back rewards with spending options, travel mile benefits, introductory offers, purchase protection, and other benefits. The best balance transfer cards may also provide multiple-month intro offers to help consolidate debt.

The Imagine Visa credit card offers some of those same perks—At least, it appears that way on the surface. The card does provide cash-back benefits on some purchases. However, earned rewards are only redeemable through an automatic once-annual statement credit. Customers don’t have an opportunity to spend rewards as they wish.

Digging deeper into Imagine Visa credit card reviews, other benefits that look excellent at first glance require some investigation before becoming a card member.

The Imagine card offers balance transfer and cash advance abilities without hidden fees. However, some card accounts will be subject to potentially high annual and monthly maintenance fees. That fact can make the Imagine Visa card more expensive to use for these things than is practical.

For those reasons and other undesirable card features, Imagine’s product misses the mark in our review. While the Imagine Visa credit card can help rebuild credit in some situations, applicants should be keenly aware of the card’s fine print before committing to being a customer.

Rewards 3% unlimited cash back on gas, groceries, and utility bill payments. 1% cash back on other qualified purchases. 
Intro Offer Variable 
Rewards Redemption Cash-back rewards are redeemable as automatic annual statement credits.
APR 19.24% – 36%
Fees $0 to $175 annual fee plus

$5 to $12.50 monthly account maintenance fee

Credit Score Requirements None

Imagine Visa Credit Card

Needing to build or rebuild credit can limit consumers’ credit card options. Secured credit cards are often an excellent and safe way to begin rebuilding credit. However, having money available upfront is necessary to pursue that avenue. Another option is identifying a solid card option with no security deposit, called an unsecured card.

The Imagine Visa credit card is an unsecured credit card that does provide some benefits to users who are careful to manage their card account responsibly. The card’s up to 3% cash-back feature is a solid benefit that can generate a statement credit each year, reducing your balance, meaning you simply owe less money.

The Imagine Visa provides industry-standard cash advance, balance transfer, and foreign transaction fees with no hidden costs or increased APR for those transactions. The card also reports to all three major credit bureaus to ensure your credit score updates as it should to maximize credit profile building.

The card also offers a wide range of interest rates, depending on creditworthiness. Some applicants could see an APR as low as 19.24%, on the low end of credit cards in its category.

Is the Imagine Visa Credit Card Legit?

Despite some less-than-stellar Imagine Visa credit card reviews, the card is a legitimate financial product issued by WebBank. WebBank is a lender accredited with the Better Business Bureau, carrying a B+ grade and an average BBB rating of 1.17 of 5 stars.

How to Use the Imagine Visa Credit Card

While the Imagine Visa has its downsides and more and higher fees than many cards in its category, the product can be an effective tool for building or rebuilding credit for some consumers. Responsible use is the key that can make the difference between the card being useful or becoming a burden.

The Imagine card offers a no-commitment pre-qualification step that applicants can use to see what terms they’re likely to receive if they formally apply for the card. By inputting some personal and financial information and allowing Imagine to access bank account records, potential card holders can see their expected interest rate, annual fee, monthly fee, and other specifics should they become approved.

The pre-qualification step only invokes a soft credit inquiry, which won’t affect the customer’s credit score and won’t appear on future inquiries. If the terms are acceptable to the customer, they can formally apply for approval, which draws a hard credit inquiry that will have a temporary negative effect on their credit score.

Using the card strategically after approval can limit the customer’s exposure to high fees, and paying the entire balance on time each month can quickly build credit while saving interest charges on purchases.

Things to Know

To effectively use the Imagine Visa as a financial tool to build a credit profile, there are some important facts to know that can help avoid creating a negative situation or poor credit report marks.

  • WebBank and Imagine place up to a 4-day hold on charges before paying the vendor. This practice can make it appear that more money is available in an account than there really is and can lead to charging over the credit limit.
  • Imagine charges the annual payment, if applicable, immediately upon card acceptance, meaning customers will begin their card membership with a balance that reduces the amount of available credit.
  • Monthly maintenance fees, if applicable, are taken out of the account at the start of each billing cycle, meaning customers will begin each month with a balance.
  • Cardholders can’t request a credit line increase at any time.
  • A late fee of $41 will apply to late payments.
  • The company regularly reports to all three major credit bureaus. While this fact can be excellent for effectively building credit, it can also be problematic for those who make late payments or miss payments.

Imagine Credit Card App

Imagine provides its customers with a mobile app to help manage their accounts. Customers can access their account details, make payments, set up recurring payments, check their balance, and monitor their free VantageScore 4.0 credit score through the app.

Imagine Visa Credit Limit

The lowest starting credit limit with Imagine is $350. However, applicants with higher credit scores or more substantial credit histories can sometimes receive starting limits of $500, $700, and up to $1,000. Customers who use the pre-qualification tool on the company’s website will see the terms and details of their potential approval before formally applying for the card.

Earning and Spending Rewards

Imagine Visa cardholders can earn 3% cash-back rewards when they shop for gas or groceries. 3% rewards are also available for using the card to pay utility bills. 1% rewards are available for other purchases.

Spending earned awards with Imagine differs from rewards on other credit cards. Where other card reward programs may give customers their choice of how to spend their points, Imagine Visa only allows an annual statement credit. The credit happens automatically each year and reduces the account balance.

How to Apply for the Imagine Credit Card

Applicants can go to and find the pre-qualification tool. Inputting personal and financial information and allowing Imagine to access a bank account will return the pre-qualification results.

The results are based on a soft credit inquiry that doesn’t affect credit scores. They’ll include details, such as expected APR, annual and monthly fees if they apply, credit limit, and any introductory period details.

After pre-approval, customers can then choose to apply for the card formally. A formal application will draw a hard credit inquiry, affecting their credit scores temporarily.

Pre-qualification or pre-approval doesn’t equate to an approval and credit card offer. Sometimes, customers may receive positive pre-qualification results and be turned down after formally applying. This scenario is typical if the information provided by the customer in the pre-qualification step is inaccurate or doesn’t match the results of the hard inquiry.

Imagine Visa Credit Card Reviews and Complaints

Imagine Visa credit card reviews are either excellent or very poor. While the company’s star ratings on review platforms land at an average of around 2.6 stars, the ratings don’t tell the whole story. Imagine reviews tend to be either four stars and above or 1-star reflections of poor experiences. Few reviews land in between the two extremes.

Compiling the Imagine Visa credit card reviews reveals that while the card can be a useful tool for rebuilding bad credit, it can also be an expensive way to negatively impact credit scores if the cardholder isn’t careful.

Imagine Visa Credit Card Complaints

Complaints directed at Imagine Visa have a common theme. Some customers complain about the high cost of having both monthly and annual fees. Others view the company’s billing practices and fund holds as deceptive. Several complaints exist regarding poor customer service.

The circumstances that appear to cause all these complaints is Imagine Visa’s tendency to bury important card details in the fine print.

Is the Imagine Visa Credit Card Worth It?

The Imagine Visa credit card can be a worthwhile financial tool for building or rebuilding bad credit. However, careful planning, keeping an eye on account details, and being aware of all of the fine print in the contract are crucial for success in this capacity.

Consumers with average or slightly below-average credit scores can likely do better with another card with fewer fine-print details to understand and manage.

Other Funding Options for Fair Credit

Check out recent reviews on credit cards and personal loans:

Consider Top-Rated Personal Loans for Fair Credit

Lender Fixed (APR) Loan Amounts
Minimum Credit Score
Upstart Personal Loan 6.40% to 35.99% $1,000 to $50,000 620
LightStream Personal Loan 7.49% to 25.49% $5,000 to $100,000 700
Discover Personal Loan 7.99% to 24.99% $2,500 to $40,000 660
PenFed Credit Union Loan 8.49% to 17.99% $600 to $50,000 700
Upgrade Personal Loan 8.49% to $35.99% $1,000 to $50,000 600
Sofi Personal Loan 8.99% to 25.81% $50,000 to $100,000
Does Not Disclose
Best Egg Personal Loan 8.99% to 35.99% $20,000 to $50,000 600
LendingClub Personal Loan 9.57% to 35.99% $1,000 to $40,000 660
Avant Personal Loan 9.95% to 35.99% $20,000 to $35,000 550
Universal Credit Personal Loan 11.69% to 35.99% $1,000 to $50,000 560
OneMain Financial Personal Loan 18% to 35.99% $1,500 to $20,000
Does Not Disclose
Zable Personal Loans 8% to 30% $1,000 to $25,000 600
Happy Money Debt Consolidation Loan 11.72% to 24.67% $3,000 to $40,000 640

Source:, Top-Rated Personal Loans Review

Imagine Visa Vs. Petal 1

While Imagine Visa credit card reviews suffer from poor ratings due to a large amount of fine print in its card contracts, other cards available for fair to poor credit are available and worth investigating before committing to one or the other.

Our Petal 1 review showcases an unsecured credit card option, similar to the Imagine Visa, but with fewer hidden details and fees.

Petal 1 is another option for those with less-than-stellar credit reports. The card offers between 2% and 10% cash-back benefits at a rotating collection of merchants. Customers generally pay an annual fee of up to $59 and may be subject to an $8 monthly maintenance fee.

Petal 1 is one of our top picks for credit cards with no security deposit this year. However, the Petal 1 card is also issued by WebBank and has plenty of its own fine print.

Before choosing and applying for any credit card, ensure you understand the agreement’s details to avoid misunderstandings and having a poor experience.

Imagine Visa Credit Card Petal 1 Credit Card
Rewards 3% unlimited cash back on gas, groceries, and utility bill payments. 1% cash back on other qualified purchases.  2% to 10% cash back on select purchases
Intro Offer Variable None
APR 19.24% – 36% 25.24% – 35.74%
Fees $0 to $175 annual fee plus

$5 to $12.50 monthly account maintenance fee

$0 – $59

Frequently Asked Questions

Is Imagine a real credit card?

Where can I find an Imagine credit card application?

How can I contact Imagine credit card customer service?

Is the Imagine credit card good for bad credit?


Image Sources: –

About Author

Dr. Ali
Who is Deane Biermeier? In the dynamic realms of finance and home improvement, a luminary has emerged over the last decade—Deane Biermeier. Widely recognized as the go-to expert for insightful reviews and content, his prolific writings grace esteemed publications, including Forbes,, U.S. News and World Report, LifeWire, Family Handyman, and several others. He also acts as an expert consultant for The Spruce and Family Handyman. In 2023, Deane joined the esteemed team at, solidifying his status as a sought-after authority. What sets Deane Biermeier apart? His writing isn't merely informative; it's a delightful blend of honesty, expertise, and entertainment. Deane's crafted content aids millions of consumers, steering them away from pitfalls and toward near-perfect purchases. feels blessed to have Deane on their team, and now you, too, can be blessed with his insightful writing. Dive into some of Deane's latest reviews on personal loans, credit monitoring, identity theft, and related topics and industries. Follow Deane Biermeier to read his exciting newest reviews, soon to come in 2024! In the upcoming year, Deane has queued up an exhilarating series of reviews that you won't want to miss. He'll be uncovering the inside scoop on cutting-edge products designed to enhance the security of your finances, starting with credit card reviews as 2024 starts. Don't forget to bookmark Deane's author bio page before you navigate away from this page! All of Deane's newest reviews will be featured right here on his author profile page. If you appreciate Deane's insightful reviews and find them helpful in making informed decisions, please consider sharing this author bio on your social media channels. No fluff, just the unbiased facts that matter are what you'll discover with Deane Biermeier's reviews. You won't get sold by anyone, and it's not a marketing gimmick but rather the stuff you need to know before making a purchase. Deane's passion goes beyond mere technical expertise; he believes in the transformative power of knowledge. His commitment lies in equipping consumers and homeowners with the necessary resources to make informed decisions, guiding them with confidence throughout their home improvement projects and when facing financial choices. Determining the right credit cards or personal loans amidst a myriad of companies vying for your business can be stressful and challenging. Dealing with fast-talking salespeople can often result in poor decisions, as individuals may be misled by enticing portrayals, only to discover later that reality falls short of expectations after becoming a client and paying upfront costs. Such situations can be avoided by following Deane's reviews and gaining insight from the information he shares. His reviews illustrate the facts about companies and products, sharing customer experiences that occur after the sale, enabling individuals to make informed choices and avoid potential pitfalls. Deane's insights are not just recognized but actively sought after by leading publications like Forbes Home,, USNews, Family Handyman, and Lifewire. He consistently delivers credible, unbiased information, providing readers with the confidence to navigate the intricacies of home improvement and finance. Deane is more than a writer; he is your trusted partner in realizing your home improvement dreams. Combining decades of hands-on experience with meticulously researched insights, he offers practical guidance and financial knowledge to support you at every step of your journey.
Dr. Ali

Deane Biermeier

Last Updated: January 18, 2024