Indigo® Mastercard®

Fast response pre-qualification, platinum unsecure card with monthly 3-bureaus credit reporting

Updated: Sep 28, 2023

Advertiser Disclosure

Indigo Platinum Mastercard® is a credit card that can help you regain your financial stability and build your access to credit. You can pre-qualify for this card even if you have bad, or poor credit. If you put this card to smart use, you may be able to start building your credit. This card is serviced by Concora Credit Inc. and issued by Celtic Bank. It is a completely viable option for all those of you looking for an easy way to improve your standing with the credit bureaus. The credit card issuer will report your payment history to all three major consumer credit bureaus. If you make 100% on-time payments, you may see your credit score go up. The process for this card is straightforward. It is one of those pre-qualification cards where you need to submit your information to pre-qualify. The bar is set very low, and the process doesn't take long at all. If you are worried about any hard-inquiries made during the pre-qualification process, don't. Indigo makes only soft-inquiries during the initial process which don't have an impact on your credit.


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252 User Ratings

Indigo® Mastercard®

This card is not available right now.

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Introductory APR


Intro APR Period


Recommended Credit Score


Key Features

  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • Complete protection from fraud if lost or stolen
  • Multiple card designs to choose from, no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • Access your account online 24/7 at no additional cost

Our Take

This Indigo Platinum card has a very specific purpose – to build cardholders’ credit, and it can easily be one of the best on the market. However, it is not the number one option for those looking for good rewards or a lot of perks.

Who Is This Indigo Platinum Mastercard® For?

Thanks to this platinum card, people with poor and bad credit scores can improve their credit without having to make a security deposit. The issuer sends reports about cardholders’ credit usage and history to all three credit bureaus, thus allowing people to work towards improving or building a more trustworthy credit score. This credit card can be a good fit for people facing some financial problems and not being able to get any other credit card, and who have prior bankruptcy. With access to regular Mastercard® perks, the possibility to get a low annual fee, and a low foreign transaction fee, you will get a lot of value with this card. Let’s take a close look at the key features and advantages/disadvantages of using this card.

The Main Card Perks

The struggle with a lower credit score or no purchasing history at all is real. The chances of getting your hands on a good credit card are pretty slim.

  • Low score card. The main advantage of this card is that it is a low credit score card. If you are tired of getting rejected by issuers over and over again, this is exactly the type of credit card you’ve been looking for.
  • Easy pre-qualification. We think that quick and easy pre-qualification is perhaps the strongest one. You can start the pre-qualification application process online. The form is very simple. All you have to do is fill in the required fields, and your application will be on its way to the issuer.
  • Soft credit inquiry. Pre-qualification will result in a soft credit inquiry on your credit history. Rest assured that it won’t affect your credit score, nor will it show up in your history because it is a soft inquiry until you actually apply for it.
  • Fast response time. If the company’s software can acquire all your data, you will receive a response in a matter of minutes.
  • Credit reporting. Card reports credit activities to all three major consumer credit bureaus.

Are There Any Disadvantages?

This card comes with very few disadvantages that you can easily mitigate via smart card use and responsible behavior. If you miss a payment, aside from a penalty APR, you will also be charged with the high late payment fee, thus making your bill significantly larger.

Other Card Benefits

This unsecured card is a Mastercard®, meaning that it has huge support, and you will be able to use it even when traveling around the U.S. The card features basic benefits as follows:

Should You Use This Card?

Indigo Platinum Mastercard® is an excellent option for people looking for an easy way out of a hard financial situation. With low requirements and regular reports to all major consumer credit bureaus, this card can help you get back financial freedom and acquire credit cards with more perks and benefits in the near future.

Other Indigo Card Options

Frequently Asked Questions

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Basic Information
Issuer: Celtic Bank
Network: Mastercard®
Category: Consumer (Premium)
Review: Full Card Review
Best Used For:
  • Instant Decision
  • EMV Chip
  • Unsecured
  • No Credit / New to Credit
  • Building 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® 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®

Reviews - (1 User Reviews)
Share your experience and rate the Indigo® Mastercard®
December 27, 2020
Jamal Montgomery (46-55) - Applicant
Income on Application
Credit Score
Good (670-739)
Credit Limit
Filed for Bankruptcy

Slick and solid low score premium card option

Financial mistakes happen all o the time, but I never believed that a card could get me out of the gutter. I’ve traversed through all kinds of cards, scores, and levels of wealth, but when i was at the worst time in my life, right now, i didn’t expect that i could find a card that would accept me. Seems I was wrong, as even without a deposit, I applied for this card and met the criteria. The prequalification was lighting fast and it didn’t ruin my credit score which i appreciate especially I have done some homework and it seems that this is the ideal credit building card. You know what they say, it’s never too late to start
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Indigo® Mastercard®

Indigo® Mastercard®

Rec. Credit Score: Poor

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