Indigo® Unsecured Mastercard® Credit Card

Indigo Unsecured Mastercard is a rare card on the market built to cater to the needs of people with less than perfect credit score. This financial product is designed for people with limited credit, bad credit, or no credit at all. All Indigo cards are serviced by Genesis FS Card Services and issued through Celtic Bank, including Indigo Unsecured Mastercard. These are renowned companies in the credit card niche and have a long history of providing access to quality credit cards to people with different credit scores.

The card is very convenient to use, and it puts the cardholders in a position to consistently improve credit score as long as they make regular payments. Indigo reports the account history to the three major credit bureaus in the U.S., enabling credit cardholders to build credit scores with every purchase. The most noteworthy perk of this card is that it is unsecured, meaning that you won't have to make any deposits prior to getting the card and using it. You can pre-qualify for this card without worrying about hurting your credit score even more. Indigo will make a soft inquiry in your credit history, leaving your credit score intact.


See Terms*


24.90% (Fixed)*



114 User Ratings Indigo® Unsecured Mastercard® Credit Card

at Celtic Bank Secured website

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Intro APR
Intro APR Period
Min. Credit Level

Card Details

  • Pre-qualify today without an impact on your credit score
  • Keeping your account in good standing may help establish and/or improve your credit
  • Access your account online or from your mobile device 24/7
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
  • Read the Review of Indigo Platinum Mastercard
$ 1 2020-08-15InStock

Expert Review

Indigo Unsecured Mastercard is a great starter card anyone can use to improve their credit or build it from the ground up. Who Is This Card For? This Mastercard credit card is perfect for people who can't afford to pay a deposit for a credit card but still need to find efficient means to boost their creditworthiness. The card is

Indigo Unsecured Mastercard is a great starter card anyone can use to improve their credit or build it from the ground up.

Who Is This Card For?

This Mastercard credit card is perfect for people who can't afford to pay a deposit for a credit card but still need to find efficient means to boost their creditworthiness.

The card is issued by Celtic Bank and serviced by Genesis FS Card Service. When you have two reputable companies such as these ones behind a credit card, you can rest assured that they live up to everything stated in Terms of Use and Terms of Condition.

Unsecured credit cards are valued more than secured cards at credit bureaus. This one, in particular, reports to all three major consumer credit bureaus. If you regularly use it and make payments on time, you will be able to build a better credit history and thus increase your credit score.

The Key Features

  • No deposit required
  • Pre-qualification process available
  • Ultra-fast response time
  • Reports to all three major credit bureaus (Explained)
  • Mastercard features
  • Bonus security features

Credit Card Benefits

While this card offers several advantages, we would like to point out the strongest of its points. Consumer credit bureaus don't take the signals coming from secured and unsecured credit cardholders the same.

If you are using an unsecured card, it will have a stronger impact on your credit score. Since this card is unsecured, you can use it to better position yourself with credit bureaus.

Unlike some other credit card companies, this one will send your purchasing history regularly to all three credit bureaus, which is extremely important, as you'll be able to improve your standing with all bureaus at the same time.

The next advantage is access to the pre-qualification process. Instead of directly applying for the card and risking being denied and your credit score suffering a blow, you can submit a pre-qualification application. The issuer will assess your credit history and income and provide you with a response within a couple of minutes.

During the pre-qualification process, the issuer will only make a soft inquiry into your credit history, which will leave no trace, nor will it affect your current credit score.

Besides these advantages, this card comes with other noteworthy perks:

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

Since it is a Mastercard, you'll be able to use it around the world and all terminals with Mastercard support. The foreign transaction fee is below the industry standard so that you can make purchases while traveling without wasting too much money on costly fees.

The issuer has also ensured that cardholders have access to important security features. If your card gets stolen and used for purchasing, you will be able to freeze your account. More importantly, you won't be held liable for any of the fraudulent charges.

If you use this card responsibly, you will not only avoid paying interest and fee charges but also improve your credit score and increase your creditworthiness. Ultimately, you will be able to apply for a better credit card and get a desirable line of credit at an affordable cost.

Are There Any Disadvantages?

When it comes to disadvantages, this card has only a few. Let's start with the variable annual fee, which you can't find that often in credit cards. Yet, this card has one. You won't know how much your annual fee will be unless your pre-qualification application gets approved.

Then, we have very high-interest rates. This card's interest rates are above the industry standard. They kick in if you take your balance to the next billing cycle. Since this is considered a late payment, your account will also be charged with a late payment fee.

This card offers no rewards or cash-back bonuses. It should only be considered a low requirement starter card option for people who have no credit history or poor/bad credit score.

Should You Use This Card?

If you, for whatever reason, can't afford putting down collateral before you can start using a credit card, you should use this card. Yes, the annual fee might be slightly higher from what we see at other issuers but the low requirements, regular reporting to credit bureaus, and Mastercard benefits make up for it.

Read the Review of Platinum Indigo Mastercard card.


  • No deposit required
  • Pre-qualification application with almost immediate response
  • Reports to all three major credit bureaus


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

Basic Info

Card Issuer:
Celtic Bank
Card Network:
Card Category:
Consumer (Premium)
Card Review:
Common Uses:
  • Cards for Bad Credit
  • Instant Decision Cards
Rewards Card:
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Finance & Rates

Introductory APR (%):
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Intro Period:
Regular APR:
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Annual Fee:
See Terms*
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APR on Cash Advances:
See Terms*
Grace Period:
25 days*
Late Payment Fee:
Up to $40*
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Indigo® Unsecured Mastercard® Credit Card - Alternatives & Comparison

Additional Information & Comments

*Depending on your creditworthiness

*The information provided for Indigo® Unsecured Mastercard® Credit Card is believed to be accurate at the time of evaluation or recent update on May 29, 2020. However, we strongly advise visitors to review the card fees and Terms & Conditions on card 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® Unsecured Mastercard® Credit Card Reviews - (2 User Reviews)

Share your experience and review the Indigo® Unsecured Mastercard® Credit Card
July 3, 2020
Income on Application
Credit Score
Needs Work (300-579)
Credit Limit
File for Bankruptcy
High Fees Good Credit Rebuilding Card
Indigo Unsecured Mastercard was my only credit card for the longest time. When I applied for it, my score was around 560. I couldn't get approval for any other unsecured card, and believe me, I tried. The entire approval process was fast and easy, even though their customer support was mediocre, to say the least. Either way, I got approved, my credit limit was pretty low, and my fees pretty high. Still, it's the only card I could use. Fast forward to today, my scores improved significantly after using this card. I still have to work my way up to an excellent score, but I wouldn't be where I am without Indigo. It’s not the best card and you have to be very careful with how you use it. But it will give you a chance to improve your score pretty quickly, and that’s why it gets 4/5 from me.
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Comment (0)

May 22, 2020
Income on Application
Credit Score
Good (670-739)
Credit Limit
File for Bankruptcy
Yes - 3 years
Easy application and fast approval
I owned a small business that went bankrupt several years ago. I had many financial ups and downs since then. It took me years to build up my credit score to 730 with different secured credit cards. This is the first unsecured card that I'll get in ages. I just recently applied for the Indigo card. I got approved almost immediately and I'm now waiting for my card to arrive. I know it comes with high fees but I expected nothing less after my bankruptcy. Can’t wait to start using it.
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Comment (0)

Indigo® Unsecured Mastercard® Credit Card

Indigo® Unsecured Mastercard® Credit Card

Min. Credit Required: Fair*
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