Imagine® Visa® Credit Card Requirements, Limits and Features
The Imagine® Visa® Credit Card, issued by WebBank, is an unsecured credit card for people with poor or fair credit who want to build or rebuild their credit without making a security deposit. The card offers 3% cash back on eligible gas, groceries and utilities and 1% cash back on other eligible purchases, with a credit limit of up to $1,000, subject to credit approval. Imagine also provides a prequalification process that can be completed without affecting your credit score, although accepting an offer and proceeding with the application can result in a hard credit inquiry.
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What Are the Imagine Visa Credit Card Requirements?
The Imagine Visa is intended for consumers with fair or poor credit, but there is no single credit score that guarantees approval. WebBank considers information from your application and credit profile when making a decision.
Applicants generally need to provide identifying information, a valid U.S. mailing address, and information that allows the issuer to evaluate their ability to repay the account. Income and other financial information may be considered during the application process.
Having poor or fair credit does not automatically mean you will be approved. Likewise, there is no requirement to have a particular credit score that guarantees acceptance.
Does the Imagine Visa Require a Security Deposit?
No. The Imagine Visa is an unsecured credit card, so you do not have to make a refundable security deposit to establish your credit line.
That makes the card different from secured credit cards, where the applicant normally provides a cash deposit that supports the credit limit. With Imagine, the issuer establishes the credit line if the application is approved.
What Is the Imagine Visa Credit Limit?
The Imagine Visa offers a credit limit of up to $1,000, subject to credit approval. The actual starting credit limit can vary by applicant and is determined by the issuer.
A $1,000 maximum does not mean every approved applicant receives $1,000. Your individual offer and available credit will be shown as part of the application process.
Does the Imagine Visa Offer Cash Back on Gas?
Yes. The Imagine Visa offers 3% cash back on eligible gas, groceries and utilities and 1% cash back on all other eligible purchases, according to the card's rewards terms.
This makes the card relevant to someone who wants an unsecured credit card for rebuilding credit while also earning rewards on everyday purchases such as gas. Rewards eligibility and qualifying purchases are subject to the program terms.
Can I Prequalify for the Imagine Visa?
Yes. The Imagine Visa provides a prequalification process that uses a soft inquiry that does not affect your credit score. This gives you an opportunity to see whether you may receive an offer before deciding whether to submit a full application.
Prequalification is not the same as final approval. If you accept an offer and continue with the application, a hard inquiry may be made, and final approval remains subject to the issuer's requirements.
➤ See if you pre-qualify for the Imagine® Visa® Credit Card
What Fees Does the Imagine Visa Charge?
The Imagine Visa can have an annual fee ranging from $0 to $175 the first year and $0 to $59 annually thereafter, depending on the offer. Other fees may also apply.
Because the fee structure can vary by offer, it is important to review the specific rates and fees presented with your application before accepting an account. Fees charged to the account can also reduce the amount of available credit you have to use.
Is the Imagine Visa Good for Building Credit?
The Imagine Visa can be used to build or rebuild credit because it is an unsecured revolving credit account, and responsible account management can help establish a positive payment history. As with any credit card, making payments on time and keeping balances manageable are important parts of using the account responsibly.
The card may be particularly relevant if you have poor or fair credit and want to avoid the security deposit required by a secured credit card. However, the annual fee and other account costs should be considered before applying.
Who Is the Imagine Visa For?
The Imagine Visa is primarily aimed at consumers with poor or fair credit who are looking for an unsecured credit card. It may also appeal to someone who wants cash back on eligible gas purchases rather than using a card solely for credit building.
If your credit is stronger, you may qualify for cards with lower fees, higher rewards, or additional features. If your credit is weaker, you should compare Imagine with other cards specifically designed for consumers with bad credit.
Imagine Visa Credit Card Summary
The Imagine Visa is an unsecured credit card for fair or poor credit that requires no security deposit and offers up to a $1,000 credit limit, subject to approval. Its main features include 3% cash back on eligible gas, groceries and utilities, 1% cash back on other eligible purchases, and a soft-pull prequalification process.
The fee structure varies by offer, so review the exact annual fee and other costs before accepting an offer. If you want to see whether you may qualify without initially affecting your credit score, you can begin with the card's prequalification process.
➤ See if you pre-qualify for the Imagine® Visa® Credit Card
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*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.
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