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Indigo® Mastercard® Credit Card review

A no-frills subprime card that helps you improve your credit.’s rating: 3.8 / 5.0


  • Get this card if you want an unsecured card.
  • Pick something else if you don’t want to pay an annual fee or you want a lower APR.
  • See if you prequalify with less than perfect credit.


Purchase APR (variable)


Recommended credit score


Annual fee$0 to $99
Welcome offerN/A
Purchase APR24.9% variable
Balance transfer APRN/A
Minimum Credit Score510
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Review by

Megan Horner is the banking and credit cards Group Publisher at Finder. She's passionate about helping you find the best credit cards and bank accounts to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker,, American Banker and featured on news broadcasts across the country. Before working at Finder, Megan worked at Credit Karma and QuinStreet.

Expert review

If you’ve had trouble establishing or improving credit, the Indigo® Mastercard® Credit Card might be for you. It offers a potential annual fee for the first year, a 1% foreign transaction fee and reports to all three major credit bureaus.

Depending on your credit profile, the Indigo® Mastercard® Credit Card may forgo the annual fee entirely, rather than offer a one year welcome offer period. Plus, you can prequalify for this card, saving your credit score from the unfavorable dip of a hard pull.

Strongly consider paying off your monthly balances within the interest grace period. The Indigo® Mastercard® Credit Card comes with a higher-than-average purchase APR, and your APR could balloon indefinitely after even one late payment. Used responsibly however, the Indigo® Mastercard® Credit Card‘s travel perks and opportunity for no annual fee make this a solid card if you need to build your credit.

How to see if you prequalify for the Indigo® Mastercard® Credit Card

  1. Select Go to site.
  2. Complete the prequalification form with details like your name, address, Social Security number, date of birth and contact information.
  3. Review your information and submit your form.

How long will it take to get my Indigo® Mastercard® Credit Card?

Typically, you’ll receive a decision on your prequalification form within 60 seconds.

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The perks

  • Potential first-year $0 annual fee. Depending on your credit profile, you could potentially have no annual fee for the first year. The higher your credit score, the more likely you’ll receive this benefit. After the first year, your annual fee will be .
  • Get prequalified. You’ll know if you have a good chance of getting this card within a few minutes. This won’t affect your credit score, as Celtic Bank — the card’s managing bank — will initiate a soft pull on your credit history.
  • Reports to credit bureaus. Celtic Bank reports your responsible spending to the three major credit bureaus — Equifax, Experian and TransUnion. This can help you improve your credit score for better rates on mortgages, car loans and other financing.

You’ll also like …

  • 1% foreign transaction fee. It’s not 0%, but most providers charge a 3% foreign transaction fee.
  • Access your account through mobile. Check your account on the go through your mobile device, which will help you monitor your spending and use your account responsibly.
  • Purchase and travel benefits. When you pay for your car rental with your card, you’ll receive coverage against physical damage and theft. Roadside assistance for peace of mind against car troubles is also provided. Travel Assistance Services can provide you with help before and during vacation. Get pre-trip planning assistance and find referrals to medical and professional services if you’re in a pinch on your trip. Finally, you’ll also receive extended warranties on eligible items that you buy with your card.
  • No cash advance fees for the first year. After that, each cash advance comes with a fee of $5 or 5% of the transaction, whichever is greater.Though you won’t pay cash advance fees the first year, consider avoiding cash advances entirely. They come with a high interest rate and you won’t enjoy a grace period on them — meaning interest will start accumulating immediately after you make the draw.
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Compare cards for building credit

1 - 3 of 15
Name Product Filter values Minimum deposit required Purchase APR Annual fee Minimum Credit Score
Indigo® Mastercard® Credit Card
24.9% variable
$0 to $99
The Indigo® Mastercard® Credit Card is specifically designed for those with less than perfect credit.
Tomo Credit Card
New to credit
A credit-building card with no fees, no APR, and no credit check.
Surge Mastercard® Credit Card
You may be asked to make a deposit for a secured card
24.99% to 29.99% variable
$75 to $99
An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. This is a rare offer among similar cards.

Compare up to 4 providers

What to watch out for

  • You may be charged an annual fee. Depending on your credit, you may need to pay an annual fee. You may be charged
  • High purchase APR. You’ll receive a high fixed APR on purchases. However, it’s not uncommon for subprime unsecured cards to have APRs well above the average rate.
  • Penalty APR. If you make a late payment, Celtic Bank may apply a fixed penalty APR to all of your balances. You may be saddled with this higher rate indefinitely.
  • High cash advance APR. Cash advance APRs are often high, but this card has one that’s higher than most products.

What should I know before I check for prequalification?

Before filling out the prequalification form for the Indigo® Mastercard® Credit Card, read the card’s terms and conditions. If you’ve decided on the card, make sure you’re eligible and that you have the required information on-hand:

Eligibility criteria

  • Be at least 18 years old
  • Be at least 19 years old if you live in Alabama

Required documents and information

  • Full name and personal contact information
  • Email address and phone number
  • Social Security number and date of birth
  • In some cases, bank account information, employment details and annual income

What credit score do I need?

Celtic Bank offers the product to those with less than perfect credit. The higher your credit score, the more likely you’ll prequalify.

Indigo® Mastercard® Credit Card reviews and complaints

Customers have mixed reviews for the Indigo® Mastercard® Credit Card. Some cardholders say payments post quickly and the card helped them improve their credit. Others say they’ve received low credit limits, the customer service is confusing and it can be difficult to complete payments.

Celtic Bank isn’t accredited by the Better Business Bureau (BBB). It earns a B rating from the agency. As of October 2020, it has over 90 customer complaints; however, according to the BBB, half of them have been answered or resolved.

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I got the card. Now what?

  • Avoid interest. This card comes with a high interest rate on all balances. Consider paying off your balances within the grace period to avoid accruing interest.
  • Avoid fees. Late and returned payments come with fees as high as $40. Overlimit transactions also come with fees as high as $40.
  • Contact customer service. If you have questions about or issues with your account, contact the number on the back of your credit card. Alternatively, call 866-946-9545.

Bottom line

The Indigo® Mastercard® Credit Card doesn’t come with many benefits. However, it’s an unsecured card that may help you improve your credit if used correctly. As your credit score increases, you may be able to apply for a rewards card or find a balance transfer card.

Frequently asked questions

How can this card help me improve my credit?
Celtic Bank will report your payment history to the three major credit bureaus: TransUnion, Experian and Equifax. These bureaus are trusted by lenders for credit information on consumers. With consistent, on-time payments, you may steadily improve a good history with these agencies and see your credit score rise.

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Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

Ask an expert

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  1. Default Gravatar
    April 12, 2019

    I applied and was approved for the Indigo Credit card on 3/25/19 and still have not received it yet. Does it usually take this long?

    • Avatarfinder Customer Care
      April 12, 2019

      Hello Latoya,

      Thank you for your comment.

      Once approved for the card, you’re expected to receive the card within 14 business days (weekends not included). So if your card is approved on the 25th of March, you may expect to receive it by the 12th of April. If you’re still unable to receive it, you may contact your post office to track any posts for you or contact Indigo directly to follow-up.


  2. Default Gravatar
    October 22, 2018

    Can I use my Indigo card for online purchases?

    • Avatarfinder Customer Care
      October 22, 2018

      Hi Jim,

      Thank you for your comment.

      Yes, you can use the Indigo Platinum card for online purchases, however, for the security reasons, foreign transactions may be declined if you do not notify them before using your credit card on websites outside of the U.S.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  3. Default Gravatar
    October 1, 2018

    What is the monthly payment for the Indigo Platinum Mastercard

    • Avatarfinder Customer Care
      October 1, 2018

      Hello Kenrick,

      Thank you for your comment.

      There are no monthly fees disclosed for Indigo® Platinum Mastercard® Credit Card however if you are referring to your monthly repayment, this will be indicated on your monthly account bill statements. You can directly get in touch with Indigo® Platinum Mastercard® Credit Card to obtain the amount to be repaid monthly.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  4. Default Gravatar
    September 28, 2018

    Will I be charged the $75 when my card arrive? I’ve seen a lot of reviews stating they didn’t get their card in the mail and they were still charged the $75?

    • Avatarfinder Customer Care
      September 29, 2018

      Hi Shnee,

      Thanks for reaching out to finder.

      Indigo® Platinum Mastercard® has an annual fee of $75 for the first year and $99 thereafter. This will be charged to your account when it is opened. It is refundable as long as you cancel your account and have not made any transactions.

      If in case you did not receive your card and was charged for the fee, you can contact Indigo card directly for assistance.

      Hope this helps.


  5. Default Gravatar
    July 18, 2018

    Are there any drawbacks to this card or “gotchas” we should look out for?

    • Default Gravatar
      July 19, 2018

      Hi Rodney,

      Thanks for leaving a question on Finder.

      Aside from the details posted above, you can check the terms and conditions of this particular credit card to be sure what comes with it. Please click the “Find out more” button to know more about the offer and read the T&C before you decide to apply.


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