VISAVisa Standard
Imagine Visa Credit Card
- Annual Fee
- $99 or $125 or $175/yr by version (set at approval)
- Top Rate
- 3X
Terms checked against the issuer on July 29, 2026
At a Glance
- Annual Fee
- $99 or $125 or $175/yr by version (set at approval)
- Authorized User Fee
- $19
- Foreign Transaction Fee
- 3%
- Network
- Visa Standard
- Credit Required
- Poor to Fair
Earning Rates
- 3X
Gas Stations
3% cash back on gas purchases
- 3X
Grocery Stores
3% cash back on grocery purchases
- 3X
Utilities
3% cash back on utility bill payments
- 1X
All Other
1% cash back on other eligible purchases and bill payments
Benefits & Perks
Insurance & Protections
2 protections$0 fraud liability—you're protected
Zero liability for fraudulent charges—you're never responsible for unauthorized use of your Imagine Visa card
3-bureau credit reporting
Build credit with Experian, Equifax, and TransUnion—your payment history is reported to all major bureaus every month
Reviews & Analysis
Pros and Cons
Pros
- +No security deposit required (unsecured card)
- +Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
- +Available to consumers with poor or limited credit
- +Earns 3% cash back on gas, grocery, and utility purchases, 1% elsewhere
Cons
- -High annual fee ($99 to $175 in the first year depending on initial credit limit, then $49 a year)
- -Additional monthly maintenance fee ($15/month after the first 12 months) and a $2 monthly paper statement fee
- -Very high APR (36%)
- -Cash back redeems only as an automatic annual statement credit
- -Low initial credit limit (typically $300)
- -3% foreign transaction fee
- -High late payment fee (up to $41)
- -$19 one-time authorized user fee
Who It's Best For
Best For
- Consumers with poor credit who cannot qualify for other unsecured cards
- Individuals who want to avoid a security deposit
- People needing to establish payment history with all three credit bureaus
Not Ideal For
- Anyone who qualifies for lower-fee credit building alternatives
- People who may carry a balance due to high APR
- International travelers due to 3% foreign transaction fee
Details & Terms
Payment Terms
| Purchase APR | 36% (Variable) |
| Cash Advance APR | 36% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $19 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Imagine Issuer | Imagine Issuer | |
| NerdWallet | — | NerdWallet |
| Issuer Page | Issuer Page: Multiple card facts | |
| Imagine Issuer | Imagine Issuer: Multiple card facts | |
| Imagine Issuer | Imagine Issuer: Status | |
| Imagine Issuer | Imagine Issuer: Apr | |
| Imagine Issuer | Imagine Issuer | |
| Imagine Issuer | Imagine Issuer |