Credit Cards
Imagine® Visa® Credit Card — Prequalify for Up to a $1,000 Credit Limit
Earn up to 3% cash back rewards on eligible gas, grocery, and utility bill payments (1% on other eligible purchases), with no security deposit and no program fee. Your payments are reported monthly to the major credit bureaus.
- Up to $1,000 Credit Limit
- Up to 3% Cash Back on Eligible Categories
- No Security Deposit
- Instant Credit Decision
Start the prequalification on Imagine's secure application page and get an instant decision. Checking whether you prequalify does not hurt your credit score.
If you prequalify, review the offer, including its credit limit, annual fee, and other fees. If you accept an offer, a hard inquiry will be made.
Final approval depends on meeting all applicable criteria, including adequate proof of ability to repay. Income verification through your bank account information may be required.
What the Imagine® Visa® Credit Card offers
Up to 3% cash back rewards
Earn 3% on eligible gas and grocery purchases and utility bill payments, and 1% on all other eligible purchases.
Up to $1,000 credit limit
Prequalify for a credit limit of up to $1,000. The issuer's pricing lists initial limits of $400, $500, $700, or $1,000.
Know the costs
36% APR. A first-year annual fee of $99 to $175 depending on your credit limit (then $49 a year) is charged before you use the card, plus a $15 monthly account maintenance fee that starts after the first 12 months.
No security deposit
No security deposit and no program fee to open the card.
Instant credit decision
Get an instant decision on your prequalification without hurting your credit score.
Reports to the major bureaus
Your payments are reported monthly to the major credit bureaus, and you get access to a free VantageScore 4.0 credit score from TransUnion® (educational purposes only).
Zero liability fraud protection
Protection against unauthorized charges, subject to Visa's Zero Liability Policy.
Common questions
- Does checking if I prequalify affect my credit score?
- No. Prequalifying uses a soft inquiry into your credit report that will not affect your credit, and you get an instant decision. If you accept an offer, a hard inquiry will be made.
- How does the cash back work?
- You earn 3% cash back rewards on eligible gas and grocery purchases and utility bill payments, and 1% on other eligible purchases of goods and services and bill payments. Rewards are earned when a transaction posts and don't apply to fees, interest, balance transfers, cash advances, or cash equivalents.
- Why would my available credit be lower than my limit at first?
- The annual fee is charged before you begin using the card. Based on the issuer's pricing, initial available credit is about $825 on a $1,000 limit, $525 on $700, $375 on $500, and $301 on $400 (a little less if you add an additional card).
- What fees and interest does it charge?
- Imagine's published pricing lists a 36% APR for purchases, balance transfers, and cash advances, a first-year annual fee of $99 to $175 depending on your limit (then $49 a year), and a $15 monthly account maintenance fee that starts after the first 12 months. There are also cash advance, balance transfer, foreign transaction, late, and returned payment fees.
- Can it help me build credit?
- Imagine reports your payments monthly to the major credit bureaus. Paying on time and keeping your balance low can help over time; late payments can hurt your credit.
- Is approval guaranteed?
- No. Final approval is not guaranteed if you do not meet all applicable criteria, including adequate proof of ability to repay, and income verification through your bank account information may be required.
- Who issues the card?
- The Imagine Card is issued by WebBank.
Important: Prequalify means that you authorize the issuer to make a soft inquiry into your credit report (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required. You earn 3% cash back rewards when you use the card for eligible gas and grocery purchases and utility bill payments, and 1% cash back rewards on other eligible purchases of goods and services and bill payments. Rewards are earned when the transaction posts and remain as long as the purchases and bill payments are not returned or credited. Purchases do not include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents. Rewards are not earned for pending transactions. Review the issuer's Cash Back Rewards Program Terms for details. Your credit score will be available in your online account 60 days after your account is opened (registration required). The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only and may not be used by WebBank (the issuer of this card) or other creditors to make credit decisions. Zero Liability subject to terms and conditions of Visa's Zero Liability Policy. Rates and fees shown are from Imagine's published Pricing Information Addendum (pricing listed as accurate as of November 2025); the issuer says the terms that apply to you depend on your specific card offer. The Imagine Card is issued by WebBank. Found Benefits is not the provider and does not make lending, enrollment, card, scholarship, aid, approval, funding, cash back, or eligibility decisions. Availability, amount, timing, rates, and fees are determined by the provider or lender network. Review the destination site’s terms, privacy policy, fees, repayment terms, accreditation details, tuition, program requirements, and other conditions before submitting information.
