Indigo® Mastercard® for Less than Perfect Credit
Updated: Apr 01, 2021
The Indigo Platinum Mastercard for Less than Perfect Credit is specifically designed for those looking for opportunities to improve their standing with credit bureaus. The card will enable you to appear as a trustworthy consumer and help you demonstrate healthy and responsible use of credit.
This card is issued through Celtic Bank and serviced by Genesis FS Card Services. Both of these companies are reliable financial institutions, and they have helped thousands of clients improve their credit scores. Anyone can qualify for this Indigo Mastercard. The company has a worldwide acceptance policy. Clients can apply via the official website and benefit from the fast pre-qualification process. It is designed to get insight into applicants' credit history without making an impact on credit score.
The Platinum Mastercard holders have access to Platinum Account Management. This online platform allows cardholders to monitor their accounts in real-time, pay bills, check balances, and view transactions. Being a Mastercard means that you will be able to use it on your travels and seize every opportunity to improve your credit. Basically, anywhere you see the Mastercard logo, you can use your card. Currently, it is supported in 210 countries and over 33 million locations.
ANNUAL FEE
See Terms
ONGOING APR
24.90%
INTRO APR
N/A

at Indigo's Secured website
Apply NowIntroductory APR
N/A
Intro APR Period
N/A
Minimum Credit Score
Fair
Key Features
- Pre-qualify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- Mobile account access at any time
- Fraud protection for stolen or lost cards
- Account history is reported to the three major credit bureaus in the U.S.
Our Take
Indigo Mastercard for Less than Perfect Credit is a starter credit card specifically tailored to help people with poor or bad credit get back on their feet and build credit history.
Who is this Indigo Card for?
If your credit score stands between you and getting financial freedom, the Indigo Mastercard for Less than Perfect Credit offers everything you need to build a credit score from the ground up. The issuer of this card is Celtic Bank, while the card is serviced by Genesis FS Card Services. These financial institutions are known for their credibility and longstanding history in helping people get their credit scores back to the “good category“.
Pros
- Low requirements to apply
- Credit score building toolkit
- Fast online pre-qualification
- No security deposit required
- High security
Cons
- Costly annual fee
- High APR
- Late payment fee higher than the industry average
Indigo Card for Less than Perfect Credit Benefits
- Low requirements to apply. The most important advantage to consider here are the low requirements the issuer had when it comes to approving applications of clients. To apply and get this card, your credit score doesn’t have to be pristine. Even if your credit is in the “bad” category, you will still be able to acquire and use this card.
- Credit score building toolkit. What makes this card even more desirable in the credit score building toolkit is its reporting practices. The issuer will send regular reports to all three major consumer credit bureaus in the U.S. Your history with all three credit bureaus will be improved, which will result in a higher credit score.
- Fast online pre-qualification. People with poor and bad credit scores have to wait too long sometimes even for several weeks before the issuer responds to their application. With Indigo, you will have your answer in no time. Thanks to the online-based prequalification process, you will be able to submit a pre-application and get a response ultra fast. The issuer will check whether you can apply for the card or not. While the prequalification process is ongoing, there will be no hard inquiries made into your credit history. Your credit score will remain just as it was even if you get a negative response.
- No security deposit required. We also loved that the issuer doesn’t demand a security deposit. As you might already know, a security deposit takes away a portion of your credit limit the first month. Plus, people struggling to pull their financial lives together find it hard to put money aside for a deposit. With this card, you can forget about it.
- High security. The card comes with important security features as well. These security features will protect you if your identity gets stolen. You can use these extra services to shut down your accounts, deal with fraudulent charges, and avoid being liable for your card being used.
Are There Any Disadvantages?
Ok, there are several advantages, but are there any disadvantages as well? There are some that you have to be aware of.
- Costly annual fee. First of all, you should know that the issuer doesn’t have a fixed annual fee for this card. It will depend on your previous purchasing history, credit score, and income. And it can range anywhere from 0 to $99.
- High APR. There is also a slight problem with interest charges. This card comes with costly interest charges that are well above the industry average. If you, by any chance, fail to pay your bills before the due date, the interest charges will kick in, and you will have to pay extra cash to cover the balance on your card.
- High late payment fee. This card has a late payment fee that is up to $40. Both interest rates and the late payment fee make paying bills on time very important.
Other Card Benefits
- Incredibly fast response time with online pre-qualification form
- Standard benefits that come with a Mastercard credit card
- Sends reports of clients purchasing history and credit activity to all three major credit bureaus
Our Final Thoughts
This starter credit card is a viable option for anyone with a less than perfect credit score who wants to get access to a credit card. You can use the Indigo Mastercard for Less than Perfect Credit to improve your credit or start building it from the ground up. Yes, the APR and annual fee are a bit higher than the industry average, but you can use this card for a year and see the results because the issuer reports to all 3 main credit bureaus.
Indigo for Less than Perfect Credit FAQ
Issuer: | Genesis Bank |
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Network: | Mastercard® |
Category: | Consumer (Premium) |
Review: | Full Card Review |
Best Used For: |
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Rewards: | No |
Regular APR: | 24.90% |
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Regular APR Type: | |
Annual Fee: | See Terms |
Balance Transfer: | No |
APR on Cash Advances: | See Terms |
Grace Period: | 25 days |
Late Payment Fee: | Up to $40 |
Other Fees: |
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Indigo® Mastercard® for Less than Perfect Credit Alternatives
![]() Indigo® Mastercard® for Less than Perfect Credit |
APPLY NOW |
Annual Fee See Terms |
Regular APR 24.90% |
Intro APR N/A |
Min. Credit Level Fair |
Indigo® Mastercard® for Less than Perfect Credit
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