What is the average credit score needed to get approved for an Indigo Mastercard?

People with “less than perfect credit” can qualify for this card. It encourages making regular on-time monthly payments to repair your damaged credit score.

Does the Indigo Mastercard report to all three credit bureaus?

The Indigo Mastercard reports your account activity to all major credit bureaus, which is a benefit for people with bad credit as long as they pay their card in full and on time each month.

Is the Indigo Mastercard application process lengthy? Can you prequalify?

Indigo has a pre-qualification form you can fill out. This makes a soft inquiry that checks whether you are qualified to apply for a credit card without affecting your credit scores.

What information is needed to apply for an Indigo Mastercard?

You need to provide your personal details, including your contact info and social security number.

Does the Indigo Mastercard have good customer service or helpful information online?

Since Celtic Bank is a small company based in Utah, there aren't any reviews on Indigo’s Unsecured Mastercard customer service. However, they have customer support reachable through 1-866-946-9545.

Does the Indigo Mastercard have a mobile app or the option to pay or manage your account online?

The Indigo Mastercard allows you to manage your account and pay your bills via the online app accessible 24/7.

Does the Indigo Mastercard raise credit limits automatically or charge for limit increases?

The Indigo Mastercard credit limit is capped at $300. They do not allow any credit limit increase.

Does the Indigo Mastercard offer the option to freeze your credit/account or have other security features?

There is no option to freeze your Indigo Credit Card. If your card gets lost or stolen, you can reach out to customer service to cancel your card and request a new one.

Does Celtic offer other credit cards besides the Indigo Mastercard?

Celtic Bank also offers the Indigo® Platinum Mastercard®, which offers more deals. Celtic Bank’s Surge Mastercard® Credit Card is also another option for people with bad credit.

MoneyGeek's Take

Indigo Mastercard Review

The Indigo Mastercard is intended for people who need to build or rebuild their credit. It is an unsecured credit card that you can apply for through a no-frills qualification process.

Advertising & Editorial DisclosureLast Updated: 1/20/2023

Reviewed By

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

The Indigo Mastercard is a good alternative to secured credit cards usually offered to people with bad credit. You don’t have to put down a cash deposit as collateral. The Indigo Mastercard has a pre-approval process that even checks your eligibility without affecting your credit score. Since it reports your usage to all three credit bureaus, this card can have a positive impact on your scores as long as you pay off your monthly balances. However, it has a very low credit limit, high APR rate and no rewards program.

Card Details to Know Up Front

Bonus, Fee or Feature
Has or Not
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Has Rewarding Welcome Offer
Recommended Credit
None–Poor
Has Balance Transfer Fee
Has Foreign Transaction Fee
High APR

Click to see this card’s rates, fees and how they compare to other cards in our dataset.

OUR REVIEW AT A GLANCE

Credit Card Details at a Glance
Pros & Cons Explained
Bonuses & Rewards Explained
Our Verdict: Is This Card for You?

Indigo Mastercard at a Glance

Getting the Indigo Mastercard requires a less complicated application process for people who are just starting out with their credit journey or who are trying to rebuild a bad credit history. But, just like any card with its own drawbacks, you should get the Indigo Mastercard only if you have the goal of improving your credit score. The best way to do this is by making on-time payments on your card and paying off your balance each month.

Indigo Mastercard
A good unsecured credit card to build or rebuild credit
- None–PoorRecommended Credit
- $0–$99*Annual Fee
- 3# of Reporting Bureaus
- 24.90%APR
Pros
Plat-604 comes with no annual fees
No need to provide security deposit
Apply with no/limited/poor credit history
Reports to all three credit bureaus
Prequalification does not affect credit score
Low foreign transaction fees
$0 liability and identity theft protection

Cons
First year’s annual fee of $75 for Plat-602, $99 thereafter
$59 annual fee for Plat-603
High standard APRs
Steep late/returned payment fees
High cash advance fees
Apply with no, limited or poor creditworthiness
Pay $0 to $99 as annual fees
Does not require security deposit
Reports payment history to TransUnion, Equifax and Experian
1% foreign transaction fee
Zero liability protection
Mastercard ID theft protection
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

Pros & Cons Explained

To help you decide whether the Indigo Mastercard is the right card for you, here are some of the pros and cons you should consider.

Pros

Benefits
Description
No security deposit required
As an unsecured credit card, you don’t have to provide a deposit to qualify for this card.
Has a prequalification process
You can go through a prequalification process to check your eligibility without making a hard inquiry. As a result, it doesn’t affect your credit score to verify that you qualify for the card.
Reports to all three credit bureaus
Reporting to all three bureaus can help you improve your scores as long as you are a responsible credit card user.

Cons

Drawbacks
Description
High annual fee based on your creditworthiness
Annual fees can range from $0 up to $75 in the first year and up to $99 in the following years depending on your creditworthiness.
Low credit limit capped at $300
This card has a very low credit limit with no option to increase it. If you qualify for an annual fee of $99, this automatically gets deducted and lowers your credit limit.
No rewards program
Many card issuers offer rewards programs that could help offset high annual fees. The Indigo Mastercard does not have any rewards program.
High APR
The 24.9% APR is more expensive than most issuers. It also means the APr could cost you a lot if you don’t pay off your balance in full each month.

INTERESTED IN COMPARING THE BEST CREDIT CARDS OF 2022?

The Indigo Mastercard is not on our list of the best credit cards for people with poor credit. If you need to apply for one but are unable to find a suitable card, MoneyGeek listed the best credit cards for bad credit with better reward programs, lower annual fees and higher credit limits.

Other Features Explained

The Indigo Mastercard offers some unique features that might appeal to potential applicants.

Card Feature
Description
Unique card designs
You can choose between a variety of colorful and modern-looking card designs.
Online account access
Customers can check their account through their customer online portal.
Reports to all credit bureaus
Many insurers report to credit bureaus, but not to all of them do. The Indigo Mastercard does report to the credit bureaus, helping you to build your credit.
"Soft Check" Prequalification Process
Each time you apply for a credit card, you are making a “hard” inquiry on a card which could affect your score. With the pre-qualification process that the Indigo unsecured Mastercard offers, the issuer takes a look at your eligibility first using a “soft” inquiry.

MONEYGEEK QUICK TIP

To ensure you are able to use the Indigo Mastercard to build your credit without incurring high interest fees, pay your bill off on time and in full each month. Set a reminder to do this so that you don’t miss any due dates.

Understanding the Fine Print

Knowing the associated fees should be one of the first things you evaluate before applying for a certain credit card.

Card Feature
Amount or Rate
APR
24.90%
Annual Fee
$0–$99*
Balance Transfer Fee
Unspecified
Balance Transfer APR
Unspecified
Late Fees
up to $40
Cash Advance Fee
$5 or 5%, whichever is greater
Cash Advance APR
29.90%
Foreign Transaction Fee
1%

Annual Percentage Rate
The APR is the interest you pay on your credit card every year. People with bad credit usually are offered high APRs. The Indigo Mastercard has a 24.9% APR, which is higher than average. The more you can improve your credit scores, the higher your odds are that you can qualify for a lower APR.
Annual Fee
The Indigo Mastercard charges a $0 to $75 fee for the first year, then $99 for subsequent years. This is on the higher side of annual fees.
Late Fees
If you are late making a payment, you’ll be charged $40.
Cash Advance Fee/APR
When you take a cash advance from your Indigo Mastercard, you’ll pay $5 or 5% of the transaction cost, whichever is greater. You’ll also pay a 29.9% APR.
Foreign Transaction Fee
When you use your Indigo Mastercard, you’ll pay a 1% transaction fee.

WHERE TO FIND THIS INFORMATION?

When comparing the Indigo Mastercard with other cards for bad credit, research whether or not there are better reward offers and cheaper associated fees. If you want to compare the fees like regular APR and cash advance APR to your current card, you can check your latest billing statement. You can also refer to the Consumer Financial Protection Bureau.

Who Should & Shouldn’t Consider Indigo Mastercard?

Other Considerations for Indigo Mastercard

When applying for a credit card, you should have a plan for how you will use it based on if it’s your first card or an addition to your wallet.

Things to Consider if This Will Be Your First or Only Credit Card

If it’s your first time getting a credit card, the Indigo Mastercard allows you to easily apply without hassle. However, you may not be able to use this card to pay large monthly bills due to its limited credit limit.

At the least, you can allocate your credit limit to certain expenses in order to keep it under a healthy credit utilization ratio. Also, remember to pay outstanding balances every month to avoid paying monthly interest.

Things to Consider if This Will Be an Additional Card in Your Wallet

If you plan to use the card as an additional card, its only value would be a small increase on your credit limit that might slightly help your credit score.

In the event you do add this card to your wallet as an additional card, only use it for small purchases and avoid using it for foreign transactions.

WHY TRUST OUR REVIEWS

MoneyGeek follows a streamlined methodology when ranking different credit cards. We refer to information from the Consumer Finance Protection Bureau’s database, estimated average spend profiles, long-term value and more. We also analyze and rerank cards regularly to ensure our data is up-to-date.

How Indigo Mastercard Compares to Other Cards

The Indigo Mastercard does not seem to offer much value other than encouraging you to make timely payments using your card. It might be advisable to compare other cards that benefit customers with bad credit or no credit history.

Quick Comparison of Indigo Mastercard

Indigo Mastercard

Annual Fee: $0 to $99
Regular APR: 24.9%
Cash Advance Fee: $5 or 5%, whichever is higher
Cash Advance APR: 29.9%
Credit Limit Increase: N/A
Foreign Transaction Fee: 1%
Best For: People rebuilding their credit

Capital One Platinum

Annual Fee: None
Regular APR: 29.74% variable
Cash Advance Fee: $10 or 3%, whichever is higher
Cash Advance APR: 29.74% variable
Credit Limit Increase: Automatically increases every 6 months
Foreign Transaction Fee: $0
Best For: People looking to set up automatic payments on their card

Other Helpful Decision-Making Q&As

Here are some of the common questions about the Indigo Mastercard to help you decide whether this is the card you need.

Still not sure about this card? Consider these options.

The Indigo Mastercard is not a great option in general, but it could be a good choice for people who are trying to improve their credit scores. However, if you are still unsure about getting this card, there are many other great options even with bad credit or average credit.

View All Credit Cards

Learn more about credit cards in general

sources

Indigo Website. "Frequently Asked Questions." Accessed December 18, 2021.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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