Indigo® Mastercard® with Fast Pre-qualification

Consumer Reviews, Fees, Credit Score, Application & Best Alternatives

Updated: Nov 23, 2020
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Are you looking for a credit card that has a super-fast pre-qualification process that will approve you even if you have poor or 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 start 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 Genesis FS Card Services.

If you lack credit history or your credit history paints you as someone who is an irresponsible spender, don't worry. The chances are that you will get approved for this card. In any case, you will know where you stand really fast.

Thanks to the online-based prequalification process, you will quickly find out what the future has in store for you. All you have to do is hit the official website, fill out a very small form, and send your application. The response time is very fast. More importantly, Indigo makes a soft inquiry in your credit history. It will have no impact on your credit score whatsoever.


See Terms*


24.90% (Fixed)*



349 User Ratings Indigo® Mastercard® with Fast Pre-qualification

at Celtic Bank Secured website

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Introductory APR
Intro APR Period
Minimum Credit Score

Key Features

  • Our pre-qualification process does not affect 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.
  • Read the Review of Indigo Mastercards
$ 1 2021-01-20 InStock

Our Take

The card's main feature is an online pre-qualification that enables you to know in advance whether you qualify for this card. Who Is This Card Good For? Are you looking for a credit card with low requirements with a fast and convenient pre-qualification process? Indigo Mastercard with Fast Pre-qualification might just be the things you are looking for. ...

The card's main feature is an online pre-qualification that enables you to know in advance whether you qualify for this card.

Who Is This Card Good For?

Are you looking for a credit card with low requirements with 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 Genesis FS Card Services, 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 or build it from scratch.

The Key Features

  • No deposit required
  • The extremely fast pre-qualification process
  • Reports to all three major credit bureaus in the U.S.
  • Standard Mastercard perks
  • Ability to choose the card design
  • Enhanced security

Credit Card Benefits

The strongest point of this card is the pre-qualification process. 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.

Furthermore, the issuer has set the requirements bar very low. People with bad and poor credit, including those with no credit history at all, can qualify for this card.

Bear in mind that the issuer makes no guarantees, thus making the pre-qualification process even more valuable. All your purchasing activity that goes through this card will be reported to all three 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.

The 25-day grace period before the flat APR kicks in is a decent time frame. The issuer is transparent with the APR and fees, which makes it easier for you to use the card strategically.

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 credit 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.

As a Mastercard holder, you will also have access to numerous benefits, including:

  • Master RoadAssist services
  • Price Protection
  • Extended warranty coverage
  • Master rental insurance
  • Travel assistance services

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 the fraudulent charges, and you will be able to shut down your accounts and take back control over your life again.

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.

The annual fee, for instance, is not fixed. 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 or you don't have a credit history at all.

The APR is also an issue. It is above the industry standard. 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.

Should You Use This Card?

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 pre-qualification application is easy to submit, and the issuer will get right back to you very quickly. The pre-qualification 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 a card or not.

Read the Review of Platinum Indigo Mastercard.


  • Convenient pre-qualification process
  • Ability to choose a card design
  • Reports to all three relevant credit bureaus


  • APR higher than the industry average
  • Costly Annual and late payment fee

Basic Information

Issuer: Celtic Bank
Network: Mastercard®
Category: Consumer (Premium)
Review: Full Card Review
Common Uses:
  • Starter Credit Cards
  • Unsecured Cards
  • No Credit / New to Credit
  • Pre-Qualification
Rewards: No

Rates & Fees

Introductory APR (%): N/A
Applied Towards: N/A
Intro Period: N/A
Regular APR: 24.90%
Regular APR Type: Fixed*
Annual Fee: See Terms*
Balance Transfer: No*
APR on Cash Advances: See Terms*
Grace Period: 25 days*
Late Payment Fee: Up to $40*

Alternatives, Compare Indigo® Mastercard® with Fast Pre-qualification With Similar Offers

Additional Info & Comments

*Depending on your creditworthiness

*The information provided for Indigo® Mastercard® with Fast Pre-qualification is believed to be accurate at the time of evaluation or recent update on November 23, 2020. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.
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Indigo® Mastercard® with Fast Pre-qualification Reviews - (1 User Reviews)

Share your experience and review the Indigo® Mastercard® with Fast Pre-qualification
July 24, 2020
Income on Application
Credit Score
Needs Work (300-579)
Credit Limit
File 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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Indigo® Mastercard® with Fast Pre-qualification

Indigo® Mastercard® with Fast Pre-qualification

Min. Credit Required: Fair*