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Indigo® Mastercard® Credit Card
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On Celtic Bank's secure site
No Security Deposit Required
Unsecured credit card, no security deposit required
Quick Online Decisioning
Easy pre-qualification process with fast response
Free Credit Reporting
Account history is reported to the three major credit bureaus in the U.S.
Card Network
Annual Fee
$99
Credit Score Needed
Fair, Bad
Offer Details
  • Easy pre-qualification process with fast response

  • Less than perfect credit is okay

  • Online servicing available 24/7 at no additional cost

  • Unsecured credit card, no security deposit required

  • Account history is reported to the three major credit bureaus in the U.S.

Rated Best for:
All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Indigo® Mastercard® Credit Card Review

August 15, 2022

Who is the Indigo® Mastercard® Credit Card for?

The Indigo® Mastercard® Credit Card is suitable for people with no or poor credit rating but would like to build or rebuild their credit. Even though this card does not provide any reward program, the cardholders are able to emphasize on improving or rebuilding their credit rating. However, the applicants have to be aware of its annual fee with its high APR (regular purchase APR of 24.9% (fixed) and cash advance APR of 29.9% (fixed)).

Rewards 

Although many credit cards offer numerous reward programs to attract more customers, the Indigo Mastercard does not offer any reward program. 

Perks and Protections

The Indigo Mastercard reports all cardholders’ monthly spendings and card usage to all three bureaus such as Experian, Equifax, and TransUnion. This feature is helpful for people who would like to have a better credit score. As long as cardholders make their payments on time, they are able to build better credit history and become qualified for better credit cards in the future.

One optional service provided by the Indigo Mastercard is credit protection, which prevents damage in credit for cardholders if they experience hardships, job loss, or hospitalization. With the cost of $1.49 per $100 of one’s cash balance, this protection is able to help one avoid missing payments on credit card bills.

Annual Fee and APRs

The Indigo Mastercard has personalized policies regarding the required annual fee: 

cardholders with different credit ratings pay different annual fees. Once the cardholders are approved by the Indigo Mastercard, they will pay one of the following annual fees:

  • $75 in the first year, then $99 for each year after that
  • $59
  • $0

The policy states that the better one’s credit, the lower one’s fee, which provides further incentive for cardholders to improve their credit rating. On the other hand, customers need to be aware of this card’s interest rates, which charge fixed purchase and cash advance APRs of 24.9% and 29.9% respectively.

Conclusion

The Indigo Mastercard is suitable for people who would like to improve their credit score but only have poor or no credit rating. This card provides many perks to not only protect but also improve all cardholders’ credit scores. With all being said, the Indigo Mastercard is a solid option for people during the process of rebuilding their credit scores.

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Editorial Disclaimer
All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
Approval Odds
BestCreditCard calculates your approval odds by comparing your credit profile to other BestCreditCard members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Credit card issuers use a variety of different types of credit scores and criteria to make credit decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.