Indigo® Unsecured Mastercard®

Unsecured card fast pre-qualification that reports credit to all 3 bureaus monthly

Updated: Jun 04, 2021

Advertiser Disclosure

Indigo Unsecured Mastercard is a rare card on the market built to cater to the needs of people with less than perfect credit scores. This financial product is designed for people with limited credit, fair credit, or bad credit. 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 into your credit history, leaving your credit score intact.

ANNUAL FEE

See Terms

ONGOING APR

24.90%

INTRO APR

N/A

115 User Ratings

Indigo® Unsecured Mastercard®

at Indigo's Secured website

Apply Now

Introductory APR

N/A

Intro APR Period

N/A

Minimum Credit Score

Fair

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
  • 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.

Our Take

The Indigo Unsecured Mastercard® is a great credit reporting card that anyone can get pre-approved and use to improve or rebuild their credit.

Who Is this Indigo Unsecured Card For?

This Mastercard® credit card is perfect for people who can’t afford to or don’t want to pay a deposit for a secured 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 card, you can rest assured that they live up to everything stated in the Terms of Condition. Unsecured credit cards are valued more than secured credit 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.

Pros

  • Unsecured card
  • Regular credit reporting
  • Easy pre-qualification
  • Soft credit inquiry
  • Low foreign transaction fee
  • Made to build a credit score

Cons

  • Annual fee
  • High-interest rates
  • No rewards

Indigo Unsecured Mastercard® Benefits

While this card offers several advantages, we would like to point out the strongest of its points.

  • Unsecured card. 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.
  • Regular credit reporting. The Indigo unsecured card 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.
  • Easy pre-qualification. 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. The issuer will assess your credit history and income and provide you with a response within a couple of minutes.
  • Soft credit inquiry. 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 until you actually apply for the card.
  • Low foreign transaction fee. 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.
  • Made to build a credit score. 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.

What are the Disadvantages?

When it comes to disadvantages, this card has only a few.

  • Annual fee. Let’s start with the high annual fee. However, you won’t know how much your annual fee will be unless your pre-qualification application gets approved.
    High-interest rates. This card’s interest rates are higher than average. 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 a late payment fee.
  • No rewards. This card offers no rewards or cash-back bonuses. It should only be considered as a low requirement credit builder card option for people who have a poor or a bad credit score.

Our Final Thoughts

If you, for whatever reason, can’t afford to put 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.

Other Unsecured Indigo Crads from Celtic Bank

Indigo Unsecured Card FAQ

Apply Now
Basic Information
Issuer: Celtic Bank
Network: Mastercard®
Category: Consumer (Premium)
Review: Full Card Review
Best Used For:
  • Cards for Bad Credit
  • EMV Chip
  • Unsecured
  • Building 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*

Indigo® Unsecured Mastercard® Alternatives


Indigo® Unsecured Mastercard®

Indigo® Unsecured Mastercard®

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Annual Fee

See Terms

Regular APR

24.90%

Intro APR

N/A

Min. Credit Level

Fair

IMPORTANT
*The information provided for Indigo® Unsecured Mastercard® is believed to be accurate at the time of evaluation or recent update on June 04, 2021. 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.

Indigo® Unsecured Mastercard®

Reviews - (4 User Reviews)
Share your experience and rate the Indigo® Unsecured Mastercard®
(Good)
March 21, 2021
Frank Crawford (36-45) - Previous Cardholder
Income on Application
$49925
Credit Score
Good (670-739)
Credit Limit
$1200
Filed for Bankruptcy
No

A Credit Card For Those in Need

Let’s face the facts, we’ve all been in financial trouble at one point in our lives. The catch with this is that some people know how to get out of it and repair their credit scores, while others just sob around. Well, if you’re looking to repair your credit score, I can't recommend this card enough. It has done wonders for me when I really needed a miracle. All of its features help you build your credit up to a higher degree. It’s not flashy, it doesn’t come with million dollar cash back. What it does come are some fantastic credit building features that you can use to help yourself reach new heights. Thank you Indigo, you were the perfect tool that came in a time I needed it the most.
Fees & Charges:
4/5
Features & Benefits:
4/5
Customer Support:
5/5
Application Process:
5/5
Comment (0)

(Good)
August 16, 2020
Suzi (36-45) - Cardholder
Income on Application
$53000
Credit Score
Excellent (740-850)
Credit Limit
$1200
Filed for Bankruptcy
No

Best card for building credit on the market

I've been struggling with my small business for quite some time now, and it nearly got me bankrupt. Naturally, when you have bad credit as I do, it doesn't get any easier to get approved. Fortunately, the Indigo card changed the game for me. Fast approval, minimal fees, online access to my account 24/7, these are just some of the perks that this great card has to offer. Let me clear one thing out of the way really quick – I'm not too fond of unsecured cards, but the Indigo is something entirely different. It allowed me to get back on my feet, rebuild, and establish a good credit line, and it provided me with the added bonus features. Fees are a bit high, though, but you can't have it both ways.
Fees & Charges:
4/5
Features & Benefits:
5/5
Customer Support:
4/5
Application Process:
5/5
Comment (0)

(Good)
July 3, 2020
Amber (26-35) - Cardholder
Income on Application
$46732
Credit Score
Needs Work (300-579)
Credit Limit
$300
Filed for Bankruptcy
No

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.
Fees & Charges:
2/5
Features & Benefits:
4/5
Customer Support:
5/5
Application Process:
5/5
Comment (0)

Indigo® Unsecured Mastercard®

Indigo® Unsecured Mastercard®

Min. Credit Required: Fair

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