Credit Cards
Indigo™ Mastercard®: A Credit-Building Card for Those Who Need It Most
Your credit past doesn’t define your future! The Indigo Mastercard helps you rebuild with no security deposit. Find out how it works and if it’s the right fit for you.
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Say Hello to a Fresh Start with the Indigo Mastercard!
So, your credit score has seen better days? No worries! The Indigo™ Mastercard® is here to help you get back on track.
Designed for those who need a second chance at building (or rebuilding) credit, this card lets you enjoy the convenience of a Mastercard—without the hassle of a security deposit. Sound good? Let’s dig into the details!
Key Highlights of the Indigo™ Mastercard®
| Pros |
| ✔ No security deposit required |
| ✔ Reports to all three major credit bureaus |
| ✔ Easy application process with pre-qualification |
| Cons |
| ✖ High annual fee after the first year |
| ✖ Low initial credit limit |
| ✖ No rewards program |
Check if you are pre-approved for credit cards and loans with no impact to your credit score
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Quick Overview of the Indigo™ Mastercard®
| Feature | Details |
|---|---|
| Annual Fee | $75 for the first year, then $99 annually |
| Credit Limit | Typically $300 |
| APR (Interest Rate) | 35.9% variable |
| Welcome Bonus | None |
| Rewards | None |
| Credit Score Required | Poor to fair (typically 600 or below) |
| Security Deposit | Not required |
Indigo™ Mastercard®: Your Ticket to a Better Credit Score
The Indigo™ Mastercard®, issued by Celtic Bank and managed by Genesis FS Card Services, is all about giving people a shot at improving their credit.
If you’ve been turned down for other cards, this one might just be your golden ticket. It’s an unsecured credit card, meaning no deposit is required—but it does come with some fees and a modest credit limit, so responsible spending is key.
Who is the Indigo Mastercard For? Let’s Find Out!
Not every credit card is a one-size-fits-all deal. The Indigo Mastercard is designed for people who need a fresh financial start.
Whether your credit history is spotty or practically non-existent, this card can help you rebuild your score—one responsible purchase at a time.
This card is a great fit for:
- Individuals with poor or no credit history: If you’ve had credit challenges in the past, Indigo provides an opportunity to rebuild your score.
- People looking for a no-deposit credit-building option: Unlike secured credit cards, no upfront cash is needed.
- Users who want easy pre-qualification: You can check your eligibility online without affecting your credit score.
However, if you have good credit or are looking for rewards, you might want to explore other options with lower fees and better benefits.
Eligibility Requirements for the Indigo Mastercard
Before applying for the Indigo Mastercard, it is important to understand the eligibility criteria.
This card is designed for individuals with poor or fair credit scores, making it accessible to those who may have been declined by other credit issuers.
Ensuring you meet the basic requirements can improve your chances of approval.
To qualify for the Indigo Mastercard, you typically need:
- A credit score ranging from poor to fair (below 600)
- A steady income source
- No recent bankruptcies or major delinquencies
Tips to Improve Approval Chances:
- Check your credit report for any errors before applying.
- Pay off existing debts to improve your credit utilization ratio.
- Use the pre-qualification tool to see if you’re eligible without hurting your score.
Applying for the Indigo Mastercard: It’s Easier Than You Think!
If you’re ready to take control of your credit, applying for the Indigo Mastercard is a breeze.
There’s even a pre-qualification tool that lets you check your odds of approval without dinging your credit score. Follow these simple steps to get started!
- Check your eligibility online – Visit the Indigo Mastercard website and use their pre-qualification tool to see if you qualify.
- Complete the online application – If you’re eligible, fill out your personal and financial details.
- Submit your application – Indigo will review your information and perform a credit check.
- Receive a decision – If approved, you’ll receive an offer outlining your credit limit and applicable fees.
- Activate your card and start using it – Once you receive your card, activate it and use it responsibly to build your credit.
Understanding Your Credit Limit & How It Works
The Indigo Mastercard has a relatively low initial credit limit, which can impact your spending power. However, responsible use of the card can help improve your credit profile over time.
Managing your balance wisely and avoiding high utilization can contribute to better financial opportunities in the future.
- The initial credit limit is usually $300.
- Your credit limit may be reduced by the annual fee, leaving you with less spending power.
- Consistently paying your balance on time and keeping utilization low can help you qualify for higher limits in the future.
- Avoid carrying a balance to prevent high-interest charges due to the 35.9% APR.
Managing Your Indigo Mastercard: Tools & Support
Keeping track of your finances is crucial when using a credit card, and Indigo provides several tools to make this easier.
From a user-friendly mobile app to fraud protection features, the card offers various resources to help cardholders manage their accounts efficiently.
- A user-friendly mobile app to track spending, check balances, and make payments.
- Customer support via phone and online chat for account inquiries and assistance.
- Fraud protection features, including real-time alerts for suspicious transactions.
Indigo Mastercard vs. Destiny Mastercard: Which One is Better?
If you’re considering the Indigo Mastercard, you might also be looking at the Destiny Mastercard, another option for individuals with low credit scores. Let’s compare the two:
| Feature | Indigo Mastercard | Destiny Mastercard |
|---|---|---|
| Annual Fee | $75 (first year), then $99 | $59 – $99, depending on creditworthiness |
| APR (Interest Rate) | 35.9% | 24.9% – 35.9% |
| Credit Limit | $300 | $300 |
| Reports to Credit Bureaus | Yes | Yes |
| Security Deposit Required? | No | No |
| Rewards | None | None |
Which One Should You Choose?
- If lower APR is a priority, the Destiny Mastercard could be a better choice (depending on your assigned interest rate).
- If you’re comfortable with higher fees and APR but want a simple approval process, Indigo might work better for you.
👉 Want to explore the Destiny Mastercard in detail? Check out our full comparison here.
Destiny Mastercard Review
The Destiny Mastercard accepts all credit scores and helps build a good credit history. Discover more about its features and how to apply.
Afterall, Should You Get the Indigo Mastercard?
If you’re on the hunt for a credit-building card with no security deposit, the Indigo Mastercard is a solid contender. But let’s be real—it’s not perfect.
The annual fee, high APR, and low credit limit make it a short-term solution rather than a long-term keeper.
Still, if you use it wisely and pay off your balance on time, it could be the stepping stone you need toward a better financial future.
🚀 Thinking of applying? Make sure to check your eligibility before submitting a full application.
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