Imagine Visa Annual Fee: First-Year and Ongoing Costs

The Imagine Visa annual fee can vary depending on the initial credit limit associated with the account. Here's how the example annual-fee structure works, how the first-year fee compares with later years, and why the fee can reduce your initial available credit.

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How Much Is the Imagine Visa Annual Fee?

The annual fee listed in the November 2025 Pricing Information Addendum depends on the initial credit limit associated with the account.

The listed first-year annual fees range from $99 to $175. After the first year, the listed annual fee is $49 per year for the credit-limit levels shown in the pricing information.

Initial Credit Limit	First-Year Annual Fee	Annual Fee After First Year
$1,000	$175	$49
$700	$175	$49
$500	$125	$49
$400	$99	$49

These amounts are examples from the stated pricing document, not a promise that every Imagine Visa applicant will receive one of these exact fee structures.

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Why Does the First-Year Annual Fee Vary?

The pricing information associates different first-year annual fees with different initial credit limits. As a result, the starting credit limit and annual fee need to be considered together.

For example, the pricing information lists a $175 first-year annual fee for initial credit limits of $1,000 and $700, while the listed first-year fee is $125 for a $500 initial limit and $99 for a $400 initial limit.

After the first year, the listed annual fee changes to $49 per year for each of these examples.

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When Is the Annual Fee Charged?

The pricing information states that the annual fee is assessed before the card is used. This is an important detail because the fee can affect the amount of available credit at the beginning of the account.

In other words, a newly opened account can have a stated credit limit that is higher than the amount of credit initially available for purchases after the annual fee is assessed.

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How the Annual Fee Reduces Initial Available Credit

The relationship between the initial credit limit and first-year annual fee is easier to see when the amounts are placed side by side.

Initial Credit Limit	First-Year Annual Fee	Approximate Available Credit After Fee
$1,000	$175	$825
$700	$175	$525
$500	$125	$375
$400	$99	$301

These are straightforward examples based on the listed annual fees and assume no additional charges have reduced available credit. Your actual available credit should be confirmed using the account information provided when the account is opened.

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What About an Additional Card?

The pricing information also lists a $19 one-time additional card fee when applicable. Because that charge can be assessed in addition to the annual fee, the initial available credit can be lower when an additional card fee applies.

Initial Credit Limit	First-Year Annual Fee	Additional Card Fee	Approximate Available Credit
$1,000	$175	$19	$806
$700	$175	$19	$506
$500	$125	$19	$356
$400	$99	$19	$282

These figures assume the $19 additional card fee applies and are included to illustrate how the listed charges can affect initial available credit. An additional card fee would not apply if no additional card is requested and the fee is otherwise not applicable.

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Is the Annual Fee the Only Recurring Cost?

No. The annual fee is separate from the account maintenance fee listed in the pricing information.

The November 2025 Pricing Information Addendum lists an account maintenance fee of $180 per year, billed at $15 per month, after the first 12 months the account is open.

That means someone evaluating the ongoing cost of the account should look at both the annual fee and account maintenance fee rather than considering the annual fee by itself.

See Imagine Visa Account Maintenance Fee for a detailed explanation of that separate charge.

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What Happens to the Annual Fee After the First Year?

The pricing information lists a $49 annual fee after the first year for each of the initial credit-limit examples shown above.

This means the first-year annual fee can be higher than the annual fee listed for subsequent years. When estimating the long-term cost of the card, look beyond the first-year amount.

Example	First Year	After First Year
$1,000 initial limit	$175 annual fee	$49 annually
$700 initial limit	$175 annual fee	$49 annually
$500 initial limit	$125 annual fee	$49 annually
$400 initial limit	$99 annual fee	$49 annually

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How the Annual Fee Fits Into the Total Cost

The annual fee is only one part of the overall cost of the Imagine Visa. Depending on how the account is used, other charges can include the account maintenance fee, interest, balance transfer fees, cash advance fees, foreign transaction fees, late payment fees, returned payment fees, and paper statement fees.

The card's pricing information should therefore be reviewed as a complete package rather than looking at the annual fee in isolation.

See Imagine Visa Fees and Costs for the broader fee overview.

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Is the Annual Fee the Same for Every Imagine Visa Offer?

You should not assume that every Imagine Visa offer has identical pricing. The Pricing Information Addendum specifically states that it shows a range of terms that may be offered on new accounts and that the terms applicable to an individual customer can differ depending on the specific card offer.

This is particularly important when comparing information found online with the terms printed on your own mail offer or provided during the application process.

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Key Takeaways

• The first-year annual fee listed in the November 2025 pricing information ranges from $99 to $175 depending on the initial credit limit.
• The listed annual fee after the first year is $49 for the credit-limit examples shown.
• The annual fee is assessed before the card is used and reduces initial available credit.
• A $1,000 initial limit with a $175 annual fee leaves approximately $825 available before other applicable charges.
• A $400 initial limit with a $99 annual fee leaves approximately $301 available before other applicable charges.
• A $19 additional card fee, when applicable, can reduce available credit further.
• The annual fee is separate from the $180 annual account maintenance fee listed after the first 12 months.
• The pricing information is dated November 2025 and may not represent the terms of every current offer.
• Review the pricing information and disclosures for your specific offer before accepting an account.

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