Imagine Visa Account Maintenance Fee

The Imagine Visa may have an account maintenance fee of $15 per month after the first 12 months, according to the November 2025 Pricing Information Addendum. Here is how the fee works, when it begins, and how it differs from the annual fee.

---

What Is the Imagine Visa Account Maintenance Fee?

The account maintenance fee is a recurring fee associated with the Imagine Visa account. The November 2025 Pricing Information Addendum lists an account maintenance fee of $180 per year, billed as $15 per month.

This fee is separate from the card's annual fee. That distinction matters because an account can have both an annual fee and an account maintenance fee, depending on the terms of the specific offer.

---

How Much Is the Account Maintenance Fee?

Fee	Amount	Billing
Account Maintenance Fee	$180 per year	$15 per month

The monthly charge works out to $180 over 12 months. It is not the same charge as the annual fee that may be assessed when the account is opened.

---

When Does the Account Maintenance Fee Start?

According to the November 2025 pricing information, the account maintenance fee is not billed during the first 12 months the account is open.

After that initial 12-month period, the listed fee is $15 per month. That means the fee can become an ongoing account cost beginning after the first year.

Account Period	Listed Maintenance Fee
First 12 months	$0 maintenance fee under the listed terms
After the first 12 months	$15 per month
12 months after the fee begins	$180 total

---

Is the Account Maintenance Fee the Same as the Annual Fee?

No. They are separate fees.

The annual fee is listed separately in the pricing information and can vary based on the initial credit limit. For example, the November 2025 pricing information lists first-year annual fees ranging from $99 to $175 for the initial credit limits shown.

The account maintenance fee is different. The listed amount is $15 per month, or $180 over a full year, and it does not apply during the first 12 months under those terms.

This means it is important to look at the entire pricing disclosure rather than assuming the annual fee is the only recurring cost associated with the account.

---

How the Two Fees Can Work Together

An Imagine Visa account can have an annual fee and an account maintenance fee under the listed pricing structure. They occur at different times and serve different purposes in the pricing disclosure.

Fee	Example Listed Amount	Timing
Annual Fee	$99 to $175 in the first year, depending on initial credit limit	Assessed according to the account terms
Account Maintenance Fee	$15 per month	Not billed during the first 12 months, then monthly under the listed terms

The exact combination of fees depends on the terms associated with the particular Imagine Visa offer. The figures above are examples from the November 2025 Pricing Information Addendum, not a statement that every applicant receives identical terms.

---

Why the First Year Matters

The absence of the account maintenance fee during the first 12 months does not mean the account has no other costs during that period.

For example, the annual fee may be charged under the account's applicable terms. The pricing information also lists other possible charges, including fees associated with cash advances, balance transfers, foreign transactions, late payments, returned payments, paper statements, and additional cards.

The practical point is that the maintenance fee should be considered as one part of the overall cost of the account rather than as the only fee.

---

Does the $15 Fee Continue Indefinitely?

The November 2025 pricing information lists the account maintenance fee as an ongoing $15 monthly charge after the first 12 months. If the account remains subject to those terms, that would equal $180 over a 12-month period.

Because card pricing can change and individual offers can have different terms, the pricing information provided with your account should be treated as the controlling source for your specific account.

---

Does the $0 Application Fee Mean There Is No Maintenance Fee?

No. A $0 application fee and an account maintenance fee are different things.

The Imagine mail offer may advertise a $0 application fee and $0 security deposit. Those statements do not mean the account has no annual, maintenance, transaction, or other possible fees.

Before accepting an offer, review the pricing information for the specific account so you understand which fees apply.

---

How the Maintenance Fee Affects the Cost of Keeping the Card

A $15 monthly charge may look relatively small when viewed one month at a time, but it adds up to $180 over a full year.

That makes the maintenance fee particularly relevant when considering whether to keep an account open beyond its first year. The total cost should be considered alongside the annual fee and any other charges that could apply to the account.

---

What Should You Check Before Accepting an Imagine Visa Offer?

If you received a prequalified Imagine Visa offer, check the pricing information that accompanies your offer before submitting an application. In particular, look for:

• The initial credit limit offered to you
• The first-year annual fee
• The annual fee after the first year
• Whether an account maintenance fee applies
• When the maintenance fee begins
• The monthly maintenance fee amount
• The APR and interest terms
• Transaction and service fees
• Any other terms specific to your offer

This is especially important because the pricing information states that the terms offered to a particular customer can differ from the range of terms shown in the general pricing disclosure.

---

Does the Maintenance Fee Reduce Your Credit Limit?

The account maintenance fee is a charge to the account. It should not be confused with the annual fee treatment described in the pricing information, where the annual fee is assessed before the card is used and reduces the initial available credit.

If you are reviewing an offer with a $400, $500, $700, or $1,000 initial credit limit, the annual fee and its effect on available credit should be considered separately from the later monthly maintenance fee.

---

Imagine Visa Account Maintenance Fee: Key Takeaways

• The November 2025 pricing information lists an account maintenance fee of $15 per month.
• The listed fee equals $180 over a full 12-month period.
• The maintenance fee is not billed during the first 12 months under the listed terms.
• The maintenance fee is separate from the annual fee.
• A $0 application fee or $0 security deposit does not mean the account has no other fees.
• The annual fee can vary according to the initial credit limit and applicable account terms.
• The terms provided with your specific Imagine Visa offer should be reviewed before applying.
• The pricing figures discussed here come from the November 2025 Pricing Information Addendum and may not apply to every offer or future account.

---

More Imagine Visa Resources

Continue through the Imagine Visa resource guide for additional information about the offer, fees, credit limits, approval process, and card features.