gettingacreditcard.com logo

FEATURED CREDIT CARDS

Mission Lane Visa® Credit Card

Mission Lane Visa<sup>®</sup> Credit Card
  • No Annual Fee
  • Fair Credit
  • Enjoy coverage from Visa®.
    *See Card Terms

Indigo® Mastercard® - $1,000 Credit Limit

Indigo<sup>®</sup> Mastercard<sup>®</sup> - $1,000 Credit Limit
  • Get the credit limit you deserve—$1,000 guaranteed if approved
    Rates & Fees

Milestone® Mastercard®

Destiny Mastercard
  • $700 Credit Limit
  • No security deposit
  • Less than perfect credit is ok
    Rates & Fees

Imagine® Visa® Credit Card Requirements | Limits, Features, and Application Process

The Imagine® Visa® Credit Card, issued by WebBank, is an unsecured credit card designed for individuals looking to build or rebuild their credit. The primary requirements for approval are:

Key Requirements

  • Age: Must be at least 18 years old.

  • Identification: Must provide a Social Security Number (SSN) for identity verification and a credit check.

  • U.S. Residency: Must have a valid U.S. mailing address (excluding U.S. territories other than Puerto Rico and the U.S. Virgin Islands).

  • Verifiable Income: Must have a source of income to demonstrate the ability to make payments. This may require linking a bank account for verification.

  • Credit History: The card is available to individuals with poor to fair credit (credit scores typically in the 550 to 640 range). A hard inquiry will be made on your credit report upon formally accepting an offer.

    • Important Feature Considerations

  • Pre-qualification: You can check for pre-qualification without affecting your credit score via a soft credit pull.

  • Fees: The card typically has an annual fee ($0 to $175, the first year; after that $0 to $59 annually) and may have other associated fees. These fees are often charged to the account upon opening and reduce the initial available credit.

  • Credit Limit: Initial limits are generally low, starting around $350 up to $1,000, with no option to request a credit limit increase.

  • Rewards: The card offers cash back rewards (3% on eligible gas, groceries, and utilities; 1% on all other purchases), but the fees should be considered when assessing the value of these rewards.

    • The card is an option for those who may have difficulty obtaining a traditional credit card but need a tool to establish a positive payment history with the major credit bureaus.

    Financial and Credit Requirements

  • Credit Score: The card is available to people with bad or fair credit (typically FICO® scores below 640). The average credit score of approved members is around 563.

  • Income: A verifiable source of income is required to ensure the ability to repay. The issuer may require income verification through access to your bank account information.

  • Debt Load: The existing debt-to-income ratio and current debt load are considered during the application review.

  • Credit History: Other factors like recent credit inquiries and payment history on other accounts will also impact the final decision.

  • No Security Deposit: This is an unsecured card, so a security deposit is not a requirement for opening the account.

    • Application Processs

  • Prequalification: You can often prequalify for the card with a soft credit inquiry, which does not affect your credit score.

  • Hard Inquiry for Final Approval: If you accept an offer after prequalification, a hard inquiry will be made on your credit report, which will temporarily affect your credit score.

  • Fees: Be aware that the card typically charges a high annual fee, which is billed upon account opening and will reduce your initial available credit limit.







    • Found this guide helpful? Bookmark it for future reference as you continue your financial journey!

    Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score

    FICO® Credit Scores

    A FICO® Score is a specific, proprietary type of credit score created by the Fair Isaac Corporation (FICO). It is the most widely used credit scoring model, with approximately 90% of top U.S. lenders using a FICO® Score to make lending decisions.

    FICO® Score Ranges:

    • Exceptional: 800–850
    • Very Good: 740–799
    • Good: 670–739
    • Fair: 580–669
    • Poor: 300–579
    While many people (and credit education websites) use "Excellent" and "Bad" as general, descriptive terms, FICO® officially categorizes its score ranges as Poor, Fair, Good, Very Good, and Exceptional.

    What is a Credit Score?

    A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.

    Why is a Credit Score Important?
    A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.

    FICO® Credit Score Facts

    Key Characteristics of FICO® Scores

    • Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.

    • Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.

    • Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.

    • Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.

    Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.


    Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.

    *See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.

    Advertiser Disclosure: The card offers that appear on this site are from companies from which Gettingacreditcard.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.

    © 2006-2025 GettingACreditCard.com, All Rights Reserved.
    gettingacreditcard.com logo
  • Terms Of Use
  • Privacy Policy
  • Contact Us
  • Resources
  • Our Mission

    • Advertiser Disclosure:

    The card offers that appear on this site are from companies from which Gettingacreditcard.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.

    About Our Offers:

    The card offers that appear on this site are from companies from which Gettingacreditcard.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.