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VISA

Visa Standard

Imagine Visa Credit Card

$99

Annual Fee

At a Glance

Annual Fee

$99

Authorized User Fee

Foreign Transaction Fee

Network

Visa Standard

Credit Required

Poor to Fair

Benefits & Perks

Insurance & Protections

Combined Protection Value

$100

3-bureau credit reporting

Build credit with Experian, Equifax, and TransUnion—your payment history is reported to all major bureaus every month

$0 fraud liability—you're protected

Zero liability for fraudulent charges—you're never responsible for unauthorized use of your Imagine Visa card

Reviews & Analysis

Pros and Cons

Pros

+No security deposit required (unsecured card)
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+Available to consumers with poor or limited credit
+No authorized user fee

Cons

-High annual fee ($99, may vary)
-Additional monthly maintenance fee ($10)
-Very high APR (29.99%)
-No rewards or cash back program
-Low initial credit limit (typically $300)
-3% foreign transaction fee
-High late payment fee ($40)

Details & Terms

Payment Terms

Purchase APR	29.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

VISA

Visa Standard

Imagine Visa Credit Card

$99

Annual Fee

At a Glance

Annual Fee

$99

Authorized User Fee

Foreign Transaction Fee

Network

Visa Standard

Credit Required

Poor to Fair

Benefits & Perks

Insurance & Protections

Combined Protection Value

$100

3-bureau credit reporting

Build credit with Experian, Equifax, and TransUnion—your payment history is reported to all major bureaus every month

$0 fraud liability—you're protected

Zero liability for fraudulent charges—you're never responsible for unauthorized use of your Imagine Visa card

Reviews & Analysis

Pros and Cons

Pros

+No security deposit required (unsecured card)
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+Available to consumers with poor or limited credit
+No authorized user fee

Cons

-High annual fee ($99, may vary)
-Additional monthly maintenance fee ($10)
-Very high APR (29.99%)
-No rewards or cash back program
-Low initial credit limit (typically $300)
-3% foreign transaction fee
-High late payment fee ($40)

Details & Terms

Payment Terms

Purchase APR	29.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

VISA

Visa Standard

Imagine Visa Credit Card

$99

Annual Fee

At a Glance

Annual Fee

$99

Authorized User Fee

Foreign Transaction Fee

Network

Visa Standard

Credit Required

Poor to Fair

Benefits & Perks

Insurance & Protections

Combined Protection Value

$100

3-bureau credit reporting

Build credit with Experian, Equifax, and TransUnion—your payment history is reported to all major bureaus every month

$0 fraud liability—you're protected

Zero liability for fraudulent charges—you're never responsible for unauthorized use of your Imagine Visa card

Reviews & Analysis

Pros and Cons

Pros

+No security deposit required (unsecured card)
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+Available to consumers with poor or limited credit
+No authorized user fee

Cons

-High annual fee ($99, may vary)
-Additional monthly maintenance fee ($10)
-Very high APR (29.99%)
-No rewards or cash back program
-Low initial credit limit (typically $300)
-3% foreign transaction fee
-High late payment fee ($40)

Details & Terms

Payment Terms

Purchase APR	29.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Show all 6 protections

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

$100/claim purchase protection (45 days)

$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

Best For

✓Consumers with poor credit who cannot qualify for other unsecured cards
✓Individuals who want to avoid a security deposit
✓People needing to establish payment history with all three credit bureaus

Not Ideal For

✗Anyone who qualifies for lower-fee credit building alternatives
✗Consumers who want rewards or cash back
✗People who may carry a balance due to high APR
✗International travelers due to 3% foreign transaction fee

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Show all 6 protections

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

$100/claim purchase protection (45 days)

$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

Best For

✓Consumers with poor credit who cannot qualify for other unsecured cards
✓Individuals who want to avoid a security deposit
✓People needing to establish payment history with all three credit bureaus

Not Ideal For

✗Anyone who qualifies for lower-fee credit building alternatives
✗Consumers who want rewards or cash back
✗People who may carry a balance due to high APR
✗International travelers due to 3% foreign transaction fee

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Show all 6 protections

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

$100/claim purchase protection (45 days)

$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

Best For

✓Consumers with poor credit who cannot qualify for other unsecured cards
✓Individuals who want to avoid a security deposit
✓People needing to establish payment history with all three credit bureaus

Not Ideal For

✗Anyone who qualifies for lower-fee credit building alternatives
✗Consumers who want rewards or cash back
✗People who may carry a balance due to high APR
✗International travelers due to 3% foreign transaction fee

At a Glance

Insurance & Protections

3-bureau credit reporting

$0 fraud liability—you're protected

Pros and Cons

Pros

Cons

Payment Terms

Evidence Sources

Explore More

At a Glance

Insurance & Protections

3-bureau credit reporting

$0 fraud liability—you're protected

Pros and Cons

Pros

Cons

Payment Terms

Evidence Sources

Explore More

At a Glance

Insurance & Protections

3-bureau credit reporting

$0 fraud liability—you're protected

Pros and Cons

Pros

Cons

Payment Terms

Evidence Sources

Explore More

Zero Liability on unauthorized transactions

Credit file monitoring and fraud alerts

24/7 lost/stolen card assistance worldwide

$100/claim purchase protection (45 days)

Who It's Best For

Best For

Not Ideal For

Zero Liability on unauthorized transactions

Credit file monitoring and fraud alerts

24/7 lost/stolen card assistance worldwide

$100/claim purchase protection (45 days)

Who It's Best For

Best For

Not Ideal For

Zero Liability on unauthorized transactions

Credit file monitoring and fraud alerts

24/7 lost/stolen card assistance worldwide

$100/claim purchase protection (45 days)

Who It's Best For

Best For

Not Ideal For