Great
Based on 598 reviews
Imagine4.0Honesty, pricing, process and quality scores appear once 5 customers have rated them.
For those looking to build credit history or strengthen their credit, the Imagine® Visa® Credit Card offers an unsecured card option with everyday rewards and practical benefits. Issued by WebBank, the card reports payment activity to all major credit bureaus, so responsible use may help you build credit over time, even if yours is less-than-perfect.Cardholders can earn 1–3% cash back rewards on eligible purchases* and enjoy free access to their credit score.* You’ll also have 24/7 customer service support, a straightforward online Account Center, and a convenient mobile app to help you manage your account with confidence. Learn more at imaginecredit.com. $0 security deposit $0 application fee $0 fraud liability No credit score impact (prequalify with a soft credit check)See If You Prequalify*Learn moreClick here to view additional details. Zero Liability subject to terms and conditions of Visa’s Zero Liability Policy.
Imagine (imaginecredit.com) has 598 customer reviews on Folks Told, with an average rating of 4.0 out of 5.
Showing 16 reviews with 2 stars · Clear filters
Erin
A representative named marsha asked me to confirm an email code that clearly states on the email Imagine reps will never ask for.
Reply from ImagineOct 8, 2026
Thank you for taking the time to share your experience. We will pass this along to the team feedback.
Falisha
I’m grateful for the opportunity to improve my credit after some not so good decisions in the past but when I did the paperless billing and signed up, I was supposed to get a welcome bonus and never did.
Monty M Mullins S.
I wanted this card canceled
Denver
When I first applied for your card I was approved for $1K but when the card arrived I was only approved for $350 and you charged me $86 of that from the start. I will only used your card in case of an emergency instead of being a frequent customer.
Rolando
I can’t login I can’t send a payment
customer
The yearly fee is ridiculous
Freddie G.
You're customer service time line Sucks if you have a problem when ya'll are close you have to wait until ya'll open back up most company's have 24 hours service in case of emergency and plus the phone check in to my account is telling me my purchase are way off
Reply from ImagineSep 24, 2026
Thank you for taking the time to share your experience. We are always looking for ways to improve. We will pass this along to the team for feedback.
Jason
I really dislike your policy of forcing your customers to use your card or threaten to close the account. What if I didn't need it then, but you forced me to use it, now an emergency comes up where I need the card, but because you forced me to use it on something I need to, now it's not available to me. This requirement should've been highlighted in your policy, if it's even in there.
