Imagine® Visa® Credit Card
Imagine Card · VISA · not specified
The Imagine® Visa® Credit Card is a credit card from Imagine Card on the VISA network. It has an annual fee of $99. It earns 3% on groceries, 1% on everything else.
Key facts
- Annual fee
- $99
- Purchase APR
- 36% Fixed
- Credit needed
- Fair, Poor
- Network
- VISA
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Groceries | 3% | 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. |
| Everything else | 1% | 1% Cash Back Rewards on all other eligible purchases. |
Benefits and perks
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
- No Security Deposit
- The Imagine Card is issued by WebBank
- Review Cardholder Agreement for rate and fee information
- * See Program Terms for important information about the cash back rewards program.
- **Zero liability subject to Visa's Zero Liability Policy
Rates and fees
Annual membership fee: $99. Purchase APR: 36% Fixed, based on creditworthiness and the Prime Rate. Balance transfer APR: 36% Fixed.
Rates and fees as published by the issuer and recorded on 30 Aug 2026. See the issuer's terms for current rates.
Questions about the Imagine® Visa® Credit Card
What is the annual fee on the Imagine® Visa® Credit Card?
The Imagine® Visa® Credit Card has an annual fee of $99.
What rewards does the Imagine® Visa® Credit Card earn?
The Imagine® Visa® Credit Card earns 3% on groceries, 1% on everything else.
What credit score do you need for the Imagine® Visa® Credit Card?
The Imagine® Visa® Credit Card is generally listed for applicants with fair or poor credit. Approval also depends on income and the issuer's own criteria.
Is the Imagine® Visa® Credit Card worth it?
The Imagine® Visa® Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
Not sure this is the right card for you?
Upload a credit card statement and Woodo works out what you actually spend by category, then ranks every card in the catalog against your own numbers. No bank login needed.
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