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Imagine Visa Credit Card
Get the details on the Imagine Visa Credit Card, including prequalified mail offers, acceptance codes, credit limits, fees, APR, credit reporting and how the account works.
The Imagine Visa is issued by WebBank pursuant to a license from Visa Inc. This guide brings together the information you may need when reviewing an Imagine Visa offer, including the terms and costs associated with the account.
Issuer: WebBank • Network: VisaSynced Daily Data Verified: Sep 24, 2026 | |
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Purchase APR Rate: 36% Fixed - Annual Fee: As low as $99 - Credit Needed: Fair/Poor - Credit Line: Up to $1,000 credit limit subject to credit approval - Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars | |
Imagine Visa Offer at a Glance
- Mail offers may include an acceptance code and an expiration date.
- The mail offer advertises a credit limit of up to $2,000.
- The offer advertises a $0 application fee and $0 security deposit.
- Prequalification does not guarantee final approval.
- Example pricing terms in the November 2025 Pricing Information Addendum include a 36% APR for purchases, balance transfers and cash advances.
- Fees and terms depend on the specific offer and can change.
What Is the Imagine Visa?
The Imagine Visa is a credit card issued by WebBank pursuant to a license from Visa Inc. Some consumers encounter the card through a mailed prequalified offer that includes an acceptance code and instructions for completing the application process.
A prequalified offer is based on information from a prescreening process. It is not the same thing as final approval. The application still has to go through the issuer's eligibility and approval process.
The most useful way to evaluate an Imagine offer is to look at the actual terms attached to that particular offer rather than assuming that every Imagine account has identical pricing or starting limits.
Imagine Visa Prequalified Mail Offers
A mailed Imagine offer can contain several pieces of information that are important before you apply, including an acceptance code, offer expiration date, advertised credit limit and instructions for accepting the offer.
The acceptance code is associated with the specific mailed offer. It should be entered exactly as instructed when accepting the offer online or through the method provided in the mailer.
Keep the original offer available while completing the process so you can compare the information on the application with the terms presented in the mailer.
Prequalified Offer
Understand what a mailed prequalified offer means and how it differs from an approved account.
Read the Prequalified Mail Offer GuideAcceptance Code
Learn what the acceptance code on an Imagine mail offer is used for.
Read About the Acceptance CodeAccepting the Offer
Review the basic process for accepting an Imagine Visa mail offer.
How to Accept an Imagine Visa OfferOffer Expiration
Find out what the expiration date on a mailed Imagine offer means.
Imagine Visa Offer Expiration DatePrequalification vs. Approval
One of the most important distinctions when reviewing an Imagine mail offer is the difference between being prequalified and being approved.
A prequalified offer means that you were selected based on information used in a prescreening process. It does not mean that the account has already been approved or that the advertised credit limit will necessarily be assigned to you.
The final application is subject to the issuer's eligibility requirements and review.
Read the full Prequalification vs. Approval guide
Imagine Visa Credit Limit
The Imagine mail offer advertises a credit limit of up to $2,000. The phrase "up to" is important because the advertised maximum is not a promise that every applicant will receive that amount.
The November 2025 Pricing Information Addendum lists examples of initial credit limits of $400, $500, $700 and $1,000. The specific credit limit offered to an applicant can depend on the terms of that person's offer.
| Example Initial Limit | Example First-Year Annual Fee | Approximate Available Credit After Fee |
|---|---|---|
| $1,000 | $175 | $825 |
| $700 | $175 | $525 |
| $500 | $125 | $375 |
| $400 | $99 | $301 |
These are examples from the November 2025 pricing information and are not a statement that every Imagine applicant receives one of these limits or fees.
Learn more about the Imagine Visa credit limit
Credit Limit Increases and Account Reviews
Your starting credit limit is not necessarily the permanent limit on the account. An issuer may review an account over time and determine whether a different credit limit is appropriate.
There is no published guarantee that an Imagine account will receive a credit limit increase or a specific increase after a particular amount of time. Payment history, balances, account history and information available to the issuer can all be relevant to future account decisions, but there is no published formula that guarantees an increase.
Credit Limit Increases
Learn the difference between your starting limit and a future credit limit increase.
Imagine Visa Credit Limit IncreasesAutomatic Reviews
See what is known about account reviews and what they do not guarantee.
Imagine Visa Automatic Account ReviewsImagine Visa Fees and Costs
The Imagine Visa mail offer may advertise a $0 application fee and $0 security deposit. Those statements do not mean the card has no other fees.
The November 2025 Pricing Information Addendum lists several possible charges, including an annual fee, account maintenance fee, balance transfer fee, cash advance fee, foreign transaction fee, late payment fee, returned payment fee and paper statement fee.
The actual fees that apply to an account depend on the specific offer and account terms. Review your pricing information before accepting an offer.
See the complete Imagine Visa Fees and Costs guide
Annual Fee
The November 2025 pricing information lists different first-year annual fees based on the initial credit limit. After the first year, the listed annual fee is $49 for the examples provided.
The annual fee is assessed before the card is used under the pricing information provided, which means the fee can reduce the amount of available credit at the beginning of the account.
Read the Imagine Visa Annual Fee guide
Account Maintenance Fee
The pricing information lists an account maintenance fee of $180 per year, billed as $15 per month. The listed account maintenance fee is not charged during the first 12 months the account is open.
This fee is separate from the annual fee, so it is important to consider both when reviewing the total cost of an offer.
Read about the Imagine Visa Account Maintenance Fee
Imagine Visa APR and Interest
The November 2025 Pricing Information Addendum lists a 36% APR for purchases, balance transfers and cash advances. It also states that there is no penalty APR listed in the pricing information.
The agreement provides a grace period for purchases when the requirements for avoiding purchase interest are met. Cash advances and balance transfers do not have the same grace period.
Read the Imagine Visa APR and Interest Charges guide
$0 Application Fee and $0 Security Deposit
The mailed Imagine offer advertises both a $0 application fee and a $0 security deposit. These are two separate concepts and should not be confused with the other fees that may apply to the account.
$0 Security Deposit
Learn what the $0 security deposit statement means and how it differs from a secured credit card.
Imagine Visa $0 Security Deposit$0 Application Fee
Learn what the $0 application fee means and why it does not eliminate other account fees.
Imagine Visa $0 Application FeeCredit Bureau Reporting
Current Imagine materials state that payments are reported monthly to major credit bureaus. The Cardholder Agreement also explains that WebBank may report account information and that late payments, missed payments and other defaults may be reflected in a credit report.
Credit reporting can make the account relevant to someone working on a credit history, but reporting an account does not guarantee a particular change in a credit score.
Read the Imagine Visa Credit Bureau Reporting guide
Imagine Visa Credit Card Review
Our separate Imagine Visa review brings the major account details together, including the advertised offer, fees, credit limit information and other terms that may be relevant when evaluating the card.
Read the full Imagine Visa Credit Card Review
Imagine Visa Resources
Use the guides below to jump directly to the part of the Imagine Visa offer you are researching.
- Imagine Visa Prequalified Mail Offer
- Imagine Visa Acceptance Code
- How to Accept an Imagine Visa Offer
- Imagine Visa Offer Expiration Date
- Prequalification vs. Approval
- Imagine Visa Credit Limit
- Imagine Visa Credit Limit Increases
- Imagine Visa Automatic Account Reviews
- Imagine Visa Fees and Costs
- Imagine Visa Annual Fee
- Imagine Visa Account Maintenance Fee
- Imagine Visa APR and Interest Charges
- Imagine Visa $0 Security Deposit
- Imagine Visa $0 Application Fee
- Imagine Visa Credit Bureau Reporting
Important Terms
Pricing information referenced on this page comes from the November 2025 Imagine Visa Pricing Information Addendum and is provided for informational purposes. The terms that apply to a particular cardholder can differ based on the specific offer.
Before accepting an offer, review the pricing information, Cardholder Agreement and disclosures provided with your specific offer. Fees, APRs, credit limits and other account terms are subject to the terms of the account and may change.
The information on this page is not a guarantee of approval, a guaranteed credit limit or a promise of a particular credit-score outcome.