Indigo® Mastercard® Credit Card

Soft credit pull platinum unsecured card with instant pre-approval and 3-bureaus credit reporting

Updated: Sep 28, 2023

Advertiser Disclosure

The Indigo Platinum Mastercard® Credit Card is a card that can help you improve your credit score. Whether your credit score is bad, poor, or damaged, using this Indigo card will enable you to improve it. The great news is that you can do it consistently because the issuer reports your payment history to all 3 major consumer credit bureaus in the U.S.

The issuer has moved the entire application process online, which is very convenient. Enter your information in the pre-qualification form, submit it, and wait for the response. You won't have to wait for long because the company goes through the applications very quickly. The card works like any other credit card. Use it to make purchases and make sure to pay your bills before the end of the payment period. If you do this consistently, you will improve your score easily.

Another great thing about this card is that it is a Mastercard®. You can use it while traveling to make purchases, and they will still count towards your credit improvement efforts. The annual fee and variable APR are at industry average values. Considering that this card has very low requirements and that it reports to all three bureaus, it is an excellent opportunity for people with less-than-good credit scores.


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500 User Ratings

Indigo® Mastercard® Credit Card

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Introductory APR


Intro APR Period


Recommended Credit Score


Key Features

  • Greater access to credit than before
  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Online servicing available 24/7 at no additional cost
  • Unsecured card, no security deposit required
  • Accepted at over 35 million locations nationwide
  • Account history is reported to the three major credit bureaus in the U.S.

Our Take

Indigo Platinum Mastercard Credit Card is a perfect unsecured card for everyday spending designed for continuing to rebuild credit scores.

Who Is this Indigo Platinum Card For?

This card is designed to help consumers with fair credit get their hands on a credit card and use it to improve their credit score. If you have a low credit score, you still might get this card because the requirements are rather low. How does this card help you build a better credit history? The issuer regularly sends reports of your purchase history and financial behavior to all three major consumer credit bureaus – Experian, Equifax, and TransUnion.

What are Indigo Platinum Mastercard Benefits?

Soft credit pull

Are you familiar with the credit pull? When you apply for a credit card, the issuer will make an inquiry in your purchasing behavior, called a credit pull. Getting declined hurts your credit score, which doesn’t mean a lot to people with good credit scores as they can afford it. But, for people with poor scores, this hit is a huge one. The most prominent advantage of this card is that the issuer makes a soft credit pull during the pre-qualification process. This practice doesn’t reflect on your credit score. So even if you don’t prequalify, your score will stay intact. Future issuers won’t be able to see that you didn’t qualify for this Indigo card.

Fast pre-qualification

A great thing about this card is that you can get it quickly. The pre-qualification process is simple, fast, and convenient. While some companies take weeks to respond to your application, this one will do it in a matter of days if not hours.

Major credit bureaus reporting

Another advantage comes from the fact that Indigo reports to all three major credit bureaus. If you use this card regularly and pay your bills in time, you will be able to consistently improve your credit score across the board and appear as a trustworthy consumer to other card issuers. (See Credit Reporting Cards)

Advance security

This Indigo card comes with handy security features. You will have access to identity theft resolution services. The services will help you if someone steals your identity. You can use the services to regain control over your life, sort out fraudulent charges, and immediately shut down your accounts.

No security deposit

Finally, this card comes with no security deposit requirements. You can apply for this Indigo Platinum Mastercard® credit card and get a line of credit without having to make a deposit. That’s great news for people with limited monthly income as they don’t have to put extra cash aside and put it down as collateral. Using a card that doesn’t require a security deposit will reflect better on your credit score. Some credit bureaus are known to raise red flags when a consumer is using a secured credit card.

Are There Any Disadvantages?

It’s hard to talk about the disadvantages when someone offers you a credit card even if your credit score is poor or bad. But, there are specific things that you need to pay attention to if you decide to use this card.

High interest

Interest charges are high and you have to be careful. These rates apply if you are late with your payments and can cause real trouble for your budget. It could also be a bad signal to credit bureaus and is really something that you want to avoid.

High annual fee

When it comes to annual fees, we didn’t like the fact that you don’t know it until you pre-qualify. After your application gets reviewed, you will be offered to pay a unique annual fee depending on your current credit profile.

Bottom Line

You should definitely consider using this card if you have a less-than-perfect credit score. This card has low requirements and, more importantly, the issuer makes a soft inquiry into your credit history. It provides an opportunity to build your credit, get control of your financial life, and be in a better position when applying for cards with more benefits.

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Frequently Asked Questions

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Basic Information
Issuer: Celtic Bank
Network: Mastercard®
Category: Consumer (Premium)
Review: Full Card Review
Best Used For:
  • EMV Chip
  • Unsecured
  • Building Credit
  • Damaged Credit
  • Pre-Qualification
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® Credit Card 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® Credit Card

Reviews - (2 User Reviews)
Share your experience and rate the Indigo® Mastercard® Credit Card
March 5, 2022
Ana (36-45) - Cardholder
Income on Application
Credit Score
Needs Work (300-579)
Credit Limit
Filed for Bankruptcy

A low-requirement card

I own this card for quite some time now and I was hoping it would help me rebuild my credit. The requirements were low and the card issuer offered quite a few benefits along the way. However, I wasn’t aware of the many fees involved. I was also disappointed with a low credit limit, only $300. But there are also a few benefits that come with it like the soft credit pull. If you have a bad credit and no other way to improve it, this card will do.
Fees & Charges:
Features & Benefits:
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Application Process:
Comment (0)

July 5, 2020
Kimberly M. (36-45) - Wants to have it
Income on Application
Credit Score
Good (670-739)
Credit Limit
Filed for Bankruptcy

Good card – want to apply

I have friends and family who have this card and have nothing but wonderful things to say about it.
Fees & Charges:
Features & Benefits:
Customer Support:
Application Process:
Comment (0)

Indigo® Mastercard® Credit Card

Indigo® Mastercard® Credit Card

Rec. Credit Score: Fair

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