Indigo® Mastercard® with Fast Pre-qualification

Monthly credit reporting card that helps rebuild credit score and offers online pre-qualification

Updated: Sep 28, 2023

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Are you looking for a card that has a super-fast pre-qualification process that might approve you even if you have bad credit? Indigo Mastercard® with Fast Pre-qualification might be the card you've been looking for. This card can help you get a small line of credit and use it to continue building a better credit history. The card is issued by the Celtic Bank, which is based out of Salt Lake City, Utah. It is serviced by Concora Credit Inc..

If your credit history paints you as someone who is an irresponsible spender, don't worry. There is a good chance you can get approved for this card. In any case, you will know where you stand really fast. Thanks to the online-based fast prequalification process, you will quickly find out what the future has in store for you. All you have to do is hit the apply button, fill out a very small form, and send your application. The response time is less than a minute. More importantly, Indigo makes a soft inquiry in your credit history. It will have no impact on your score whatsoever.


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349 User Ratings

Indigo® Mastercard® with Fast Pre-qualification

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Introductory APR


Intro APR Period


Recommended Credit Score


Key Features

  • Pre-qualify today without an impact on your credit score
  • Keeping your account in good standing may help establish and/or improve your credit
  • 24/7 access to your account, even on mobile!
  • Protection from fraud, if your card happens to be lost or stolen
  • Account history is reported to the three major credit bureaus in the U.S.

Our Take

This Indigo Mastercard is a credit rebuilder card that features fast pre-qualification online. It enables you to know in advance whether you qualify for this card and on which terms. Moreover, it has monthly credit reporting and the ability to choose the card design.

Who Is This Card Good For?

Are you looking for a card with low requirements that has a fast and convenient pre-qualification process? Indigo Mastercard® with Fast Pre-qualification might just be the things you are looking for. Issued by the Celtic Bank and serviced by Concora Credit Inc., this card is backed up with a sophisticated approval algorithm. Once you fill out the online pre-qualification form, the issuer will pull your data from relevant bureaus and send you a response in a matter of minutes. The data pull is considered a soft inquiry, and it won’t reflect your credit score*, nor will it show up in your credit history. On the other hand, the issuer will send reports about your purchasing history to all three credit bureaus, which is exactly what makes this card valuable to people looking to improve their credit.

Benefits of Indigo Card with Fast Pre-qualification

Fast pre-qualification

The strongest point of this card is indeed the pre-qualification process that is done fast and online. As long as you are 18 years old, you can submit your pre-qualification application and find out if you qualify for this card. It’s a great perk as it saves you the trouble of directly applying for the card and getting rejected.

Low requirements

The issuer has set the pre-application requirements bar low. People with fair credit, including those with limited credit history, may qualify for this card. However, you should bear in mind that the Celtic Bank makes no guarantees, that all applications will be approved.

Credit reporting

All your purchasing activity that goes through this card will be reported to all 3 major credit bureaus in the U.S. It’s an excellent opportunity to consistently build your credit and have the same reports with all the credit bureaus.

Long grace period

The 25-day grace period before the flat APR kicks in is a decent time frame.

No deposit required

You don’t have to put down any collateral to use this card. As an unsecured card, it allows you to get access to a card even when on a limited budget. Since you won’t pay any deposit, you will be able to utilize the entire credit limit. While this is not advised, it is good to know that there are no restrictions.

Enhanced security

The card also puts you in a position to use security services if and when it’s needed. Let’s say someone steals your card and makes fraudulent purchases with it. Thanks to identity theft resolution services and zero liability insurance, you won’t be liable for fraudulent charges, and you will be able to shut down your accounts and take back control over your life again.


The issuer is transparent with the APR and fees, which makes it easier for you to use the card strategically.

Are There Any Disadvantages?

While applying for this card can be tempting because of the fast pre-qualification process and low requirements, you should be aware of a few disadvantages.

Annual fee

The annual fee for this Indigo card with fast pre-qualification is not disclosed at the beginning. It can vary from 0 to $99. It depends on your current financial situation and credit history. You will probably have to pay the full amount if your credit is bad.

High APR

The annual Percentage Rate for this Indigo card is high. But given that you are planning to use this card to build credit, you will be paying your bills on time. If you don’t carry your balance to the next month, you will avoid paying the interest charges and the late payment fee.

What are Other Card Benefits?

As a Mastercard® holder, you will also have access to numerous other benefits, including ID Theft Protection, Zero Liability Protection, and Mastercard® Global Service.

The Final Word

If you are in a hurry and don’t have time to wait for a long application process, this card is perfect for you. The fast pre-qualification application is easy to submit, and the issuer will get right back to you very quickly. The Indigo Mastercard®’s fast pre-qualification application doesn’t trigger the hard inquiry into your credit history, making this card even more convenient for people who want to know in advance whether they qualify for this card or not.

Other Unsecured Cards Issued by Celtic bank

*The pre-qualification (and only pre-qualification) will not affect your credit report. Once you apply for the card, the Bank will do a hard credit pull and it will be visible on your credit report.

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Basic Information
Issuer: Celtic Bank
Network: Mastercard®
Category: Consumer (Premium)
Review: Full Card Review
Best Used For:
  • Cards for Bad Credit
  • Unsecured
  • Building Credit
  • Damaged Credit
  • Pre-Qualification
  • Rebuild Credit
Rewards: No
Rates & Fees
Regular APR: 24.90%
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:
  • Returned Payment: Up to $40.00
  • Foreign Transaction: 1%
  • Annual Fee: $0-$99*

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Non-Affiliate Offer Disclosure
*The information provided for Indigo® Mastercard® with Fast Pre-qualification is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

Indigo® Mastercard® with Fast Pre-qualification

Reviews - (2 User Reviews)
Share your experience and rate the Indigo® Mastercard® with Fast Pre-qualification
March 14, 2021
Stephan DeShawn (18-25) - Cardholder
Income on Application
Credit Score
Don't know
Credit Limit
Filed for Bankruptcy

Good credit to start out

my very first card, the indigo Mastercard with fast qualification is really all i wanted from a credit card. I especially like the fact that I don't have to put any money down in order to use this it. I did everything online and the process really was fast as the name would have you believe but it took some time to arrive but it’s no biggie. Everyone keeps pestering me about building my credit score up and this seems to be the perfect tool for the job.
Fees & Charges:
Features & Benefits:
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Application Process:
Comment (0)

July 24, 2020
DeAndre (26-35) - Cardholder
Income on Application
Credit Score
Needs Work (300-579)
Credit Limit
Filed for Bankruptcy

Fast but slow at the same time

I’m a professional car painter, and I’ve found myself in a bit of a financial pickle. Resolving that pickle has been easy with the Indigo Mastercard. I’m very happy with the fast prequalification process that this card has, and applying for it hasn’t tarnished my already meager credit score. One thing I do have an issue with is that the card seems to take a lot of time to arrive. As far as I’ve checked, this issue is exclusive to me, but it would still be good if it arrived faster. Slow arrival completely defeated the purpose of a fast prequalification. I did contact the very friendly customer support, and I eventually did get my card, and apart from the relatively slow arrival ( which seems to be unique to me for some reason ), I’m satisfied with the features that this card has.
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Comment (0)

Indigo® Mastercard® with Fast Pre-qualification

Indigo® Mastercard® with Fast Pre-qualification

Rec. Credit Score: Fair

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