Apr 29, 2020
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Platinum Indigo Mastercard Credit Cards Review


Indigo® Mastercard® with Fast Pre-qualification

Indigo® Mastercard® with Fast Pre-qualification
Min. Credit Required: Fair*
4.1 /5
348 Users

at Celtic Bank Secured website

Indigo Credit Cards are starter credit cards suitable for people with no credit history or with poor or bad credit scores.

All credit cards with the Indigo prefix are issued by Celtic Bank and serviced by Genesis FS Card Services. These cards are perfect for people with less than perfect credit scores. People that are just out of college or high school with zero credit history can also use them to build credit from scratch.

These cards include:

All these credit cards have the same purpose – help cardholders build credit conveniently and safely. Thanks to high approval ratings and simple application process, everyone stands in line to get one.

While these cards come with standard Mastercard and security features, they don’t particularly shine in the rewards and cash-back departments. On the other hand, the issuer reports to all three major consumer credit bureaus in the U.S. (Experian, Equifax, and TransUnion).

If you are interested in getting this card, you will be happy to find out that pre-qualification doesn’t trigger a hard inquiry into your credit history.

If you are interested in finding out more about these cards, we’ve prepared an in-depth review. We will talk about the cards’ perks and features in general, and only highlight a feature that’s unique for a card on our list.

Indigo Mastercard Credit Cards Offer Details

With transparent billing practices, regular reporting to credit bureaus (Explained), and online account management, Indigo credit cards make a valuable opportunity for people who plan on improving their credit score.

Celtic Bank issues all Indigo Mastercards. These cards are specifically designed for people with a less than perfect credit score or no credit history at all. They make credit building a walk in the park.

Since they are advertised as credit cards for people with financial problems, we expected to see a smooth application process and high approval ratings. The issuer not only met this expectation but did far better.

This card is for anyone with a credit score of 600 or below. If your credit score is below this threshold, you probably know how hard it is to get the line of credit. Well, with Indigo cards, you have a chance of getting it.

The target audience is people with poor and bad credit scores. To help them keep their score intact, the issuer allowed potential cardholders to send pre-qualification applications. The pre-qualification application can be completed online.

The response is ultra-fast, and you can receive it in a matter of minutes. It will leave no trace on your credit history and won’t reflect your credit even if you get declined. Why would you apply directly when you know that it will result in a hard inquiry. Indigo’s pre-qualification process is a great way to mitigate these risks.

All the Indigo cards can be used as starter credit cards. They are meant to help people start their credit journey or bring it to the next level. You can leverage this card to demonstrate that you are responsible and creditworthy.

Indigo Mastercard Credit Cards Review

The issuer reports to all three major consumer credit bureaus. If you use one of these cards regularly and make on-time monthly payments, the bureaus will be notified of your card usage. Being responsible will reflect positively on your credit score, and you will be able to see the improvement in the next couple of months.

All Indigo cardholders can benefit from mobile account access 24/7. You can check your balance, transaction details, fees, and pending transfers on the go, or you can log into your account from home.

You should also know that you will be able to choose from a variety of card designs. Whether you want a classic Mastercard look, a summer theme, or futuristic design, you can all get it from Indigo and with no additional charge.

All Indigo cards we reviewed are Mastercards, meaning that you will be able to use any of them on millions of terminals spread all over the globe. If you happen to travel a lot, this is a useful piece of information.

Furthermore, these cards come with several Mastercard benefits which took us by surprise given the card is a low range starter one:

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

They also come with two quite useful security features. Identity theft resolution services will help you regain control over your life if somebody steals your identity, opens an account in your name, and starts making purchases. Zero liability insurance will help you avoid being charged with these purchases. In short, you won’t be liable for charges made in your name. If your card gets stolen, you will be able to shut down the account immediately.

The annual fee is what we expected to see in these cards since they are advertised to people with poor or bad credit scores. These cards are also unsecured, meaning that you don’t have to make any deposits to get the card and start using it. On the other hand, you will have to pay the annual fee. (See card with no annual fee)

The annual fee depends on your credit profile. During the first year, it can be anywhere from 0 to 75$. If you stay with the issuer, the annual fee for the following year can go up to $99.

The standard variable APR applies to all the cards we reviewed. It’s higher than the industry standard. All cards have a 25-days billing cycle. If you fail to make payments in time, the APR kicks in, along with the late payment fee of $40.

The APR we talk about is a standard purchase APR. The company will charge your account only if you carry a balance on your card. Make your payments on time. If you don’t carry a balance, the APR charges and late payment fees don’t apply. Taking care of your bills in time will send a strong signal to credit bureaus, and your credit score will start climbing up.

Indigo Mastercard Pros

Indigo Mastercard cards offer many benefits to help you get back on the credit-building train.

  • No deposit required (unsecured credit card)
  • Convenient online pre-qualification application
  • 60-second decision
  • Soft inquiry into the credit history
  • Low approval requirements
  • Reports to all three major credit bureaus

Indigo Mastercard Cons

When credit card shopping, you need to be aware of the disadvantages as well. The following ones apply to Indigo credit cards.

  • High late payment fees
  • Above-average variable APR
  • Costly annual fees

Why We Like It

Indigo Mastercard Credit Cards is an easy-to-acquire card for anyone who needs a fresh start.

The issuer has an ultra-fast pre-qualification process and high approval ratings, and also takes applications from people with a bankruptcy on their file into consideration and reports the purchase history to all three credit bureaus.

The low application approval requirement is the strongest point of these cards. The offers are even viable to people with bankruptcy in their credit history.

After a financial disaster, it is really hard to get your hands on a credit card. Well, the company will not automatically decline your application. It will be reviewed like any other even if you’ve hit the financial rock bottom in the past, and send you a response.

The cards are serviced and issued by two reputable companies with proven reporting practices. All your transactions and purchasing history will be regularly reported to all three major bureaus. Something you can’t find that often in starter cards. This is a great opportunity to keep your records updated with all relevant bureaus by using just one card.

We also love the idea of being able to use a credit card without having to put down a cash deposit. Indigo cards are unsecured cards. Some people can’t afford to pay cash upfront to use a credit card. If you qualify for Indigo Unsecured Mastercard, you will be able to use your entire credit limit.

Unsecured credit cards are more valued at credit bureaus than secured ones. Using an unsecured card will help you increase your credit score more efficiently.

The pre-qualification application is also quite beneficial. When you apply for a credit card, the issuer has to make a hard inquiry in your credit file. If you get declined, it will pull your credit score down and show up in your file.

It is great that you can find out if you qualify for any of the Indigo cards without affecting your credit score. The pre-qualification application is accessible to everyone interested in acquiring Indigo credit cards. Once you qualify for the Indigo card, you will have to submit a regular application and attach all the necessary documentation and provide the requested information.

Finally, it’s great that the issuer allows cardholders to benefit from security features. In our day and age, identity theft and cybercrime are realities. Having access to features that can help you mitigate the risks is important. Indigo cards come with quick identity theft and fraudulent charges resolution services, which add to their value.

What Can Be Better

The high annual fee, APR, and late payment fee are definitely the things that you should take into consideration when credit card shopping.

We live in the age of information. Sadly, the official Indigo Card website provides little information about the financial products they are offering. There is a FAQ page that provides very short and not-so-much informative answers to very credible questions.

People who arrive at the Indigo website also expect to check if they qualify for any of the cards in the offer. The issuer is very transparent about the fact that you will receive an offer to apply for a credit card from another bank if you don’t qualify for the Indigo Platinum card.

The regular APR is considerably higher than the industry average. While this should not concern you if you make regular payments and never carry a balance to a new month, it is something that you should know. The APR charges may significantly slow you down and turn into a quiet expense.

On top of the APR charges, you will have to pay a late payment fee. The fee is also above the industry average, and you will always have to pay it if you carry your balance to a new month. The amount you have to pay goes down if you pay your bills in time 6 months consecutively.

The annual fee could also be lower. Or, at least it could be fixed. People who apply for this card won’t know how much the annual fee will be until their application is approved. It would be much better to know this in advance because it would help make a better decision.

Even though we are aware that it is a starter credit card, we have to address the fact that there are no bonuses. Before you choose this card, you should know that there are no cash-back reward or any other type of bonuses.

If you decide to continue using your card after the first year, you will be paying more for an annual fee. Starting with the second year, the annual fee can go up to $99. Since the starting fee can be up to $75, you will be spending $14 more. It’s a rather strange way to reward loyal clients for staying with the company.


Indigo Mastercard Credit Cards are widely accepted, and you can use them to improve your credit or build it from scratch.

Indigo Credit Cards are part of the Mastercard family. They are widely accepted. Currently, there are over 35 million locations spread through over 70 countries where you can use your Indigo credit card.

Indigo Mastercard Features

The Indigo cards are go-to credit cards for people with less than perfect credit score. With low requirements and high approval rates, these cards offer people with proven ways to improve their credit. Even the people with prior bankruptcy can qualify for this card.

People that are just out of high school or college can also use this card (See the best student card). These people have no credit history making it very hard for them to get their hands onto credit cards with low APR, interest grace period, bonuses, and rewards.

Indigo cards can help them build their credit score starting from zero, and be able to apply for more rewarding credit cards in the future.

The process of using these cards to build credit is rather simple. The cards come with a 25-day long billing cycle. To take advantage of the issuer’s regular reporting practices, you have to make sure not to carry a balance to the next month.

Use your card regularly, but make sure to pay your bills before the end of the billing cycle. The reports of you being a responsible consumer will end up at all three major credit bureaus, and you will improve your credit score.

If you manage to keep up with the responsible card use, you will never see the APR and late payment fee charges on your account.

In case you need cash, and you can’t use your Indigo card, you can benefit from cash advances. Cash advance fees do not apply during the first year. They still count toward your monthly balance, so do your best to pay your bills if you don’t want to pay the interest rate and late payment charges.

Rewards Program & Bonuses

The Indigo Mastercard credit cards do not offer any rewards. ( See rewards card offers)

Other Benefits/Perks

Other than default Mastercard benefits, Indigo Platinum Mastercard Credit Cards have nothing more to offer.

Indigo cards are travel-friendly. Yes, they are Mastercards, and they are widely accepted. But, the foreign transaction fee is what makes them even better traveler’s companions. The cards have only a low 1% foreign transaction fee. The other starter cards come with foreign transaction fees that go up to 4%. If you are traveling a lot, this is a nice perk to have. (See no fx fee cards)

You will also have access to the Master RoadAssist Roadside service. This service is available when traveling in the 50 United States and in the District of Columbia. In case your car breaks down, all you need to do is call 1-800-MasterCard, and the company will send help your way.

MasterAssist Travel Assistance Services is a nice perk that you have access to if you are traveling 50 miles or more from home. If you are in need of medical assistance or legal help, these services will help you get in touch with credible individuals and institutions.

Another neat perk is Master Rental if you rent a car when traveling. The MasterRental may provide coverage for incurred damages on a rental vehicle. You can use this service only if you’ve used your Mastercard to pay for the rental.

If you use your card to purchase various goods, you may benefit from the Extended Warranty. What this perk does is it doubles the original warranty of the product manufacturer. This only goes for items that come from original manufacturers and that have a warranty of 2 years or less.

The issuer also allows credit card holders to choose their own credit card designs. This is only a visual perk, and it has nothing to do with the card use cases, fees, or any other benefits.

Finally, you can benefit from a price protection service, which allows you to get reimbursed for the price difference if you find the item you bought at a lower price. To use this service, you have to find the item with the lower price tag in 60 days following the purchase.

Unfortunately, the Indigo cards can only offer the perks that come with the Mastercard brand. It is a card that is completely stripped of any bonuses, cash-back rewards, and handy perks.

Costs and Fees

Not every budget can sustain the uptake of Indigo Mastercard Credit Cards because it comes with costs and fees above the industry average.

First of all, Indigo Mastercard credit cards have an annual fee. You will have to pay it if you want to use the card. While it’s not that much costly considering that the issuer has a really low application approval standard, it will reduce your available credit limit the first month.

The standard APR is also higher than the industry average. It kicks in if you carry your balance to the next month and is applied until you pay your debt entirely. If you don’t make a payment on time, your account will be charged with a late payment fee of $40.

If you are traveling a lot, you should be aware that there is a foreign transaction fee as well. While it is not as costly as with some other credit cards, it’s still 1%, and you have to take it into account when using your credit card abroad.

Is It Convenient to Use This Card?

When you are trying to get your financial future back on track, convenient solutions are the best solutions. Indigo Mastercard credit cards are very convenient and easy to use.

It all starts with an easy and fast pre-qualification application online. You can complete the entire process, including card activation, without leaving the comfort of your home.

All Indigo credit cards are part of the Mastercard family. With support in more than 70 countries around the globe, you won’t have problems paying with it. You can also use it for online purchases on most sites that accept credit cards.

If you plan on using your Indigo Mastercard outside of the U.S., remember that 1% foreign transaction fee applies.

Qualifications and Requirements

There is nothing special when it comes to qualifications and requirements when it comes to Indigo Platinum Mastercard. You have to be at least 18 years old to submit the pre-qualification application. You need a social security number and be a US resident with a valid address.

Rember, Indigo Platinum Mastercard is a starter credit card, which applies to all Indigo Mastercard variations. Forget about meeting some minimal requirements, because the issuer considers every pre-qualification application.

You don’t have to have an excellent credit score to qualify for any of these cards. Even if you have a bankruptcy on your file or have no credit history at all, you can still receive a good offer from the issuer.

How to Apply for Indigo Mastercard

Applying for Indigo Platinum Mastercard is easy and convenient. You can do it on the issuer’s official website. There is no option to directly apply for the card. All interested consumers have to pre-qualify for the card to get a direct application.

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

at Celtic Bank secure site

Card Details

Intro APR


Ongoing APR

24.90% (Fixed)*

Balance Transfer


Annual Fee

See Terms*

Credit Needed


Snapshot of Card 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
Open Details +

To apply, you have to fill out the form. Rember, the fields marked with a “*” are required. You will have to provide the following information:

  • First name
  • Last name
  • Address
  • City
  • State
  • Zip Code
  • Date of birth
  • Social security number
  • Email address
  • Primary phone number

You will also be able to choose your Indigo Platinum Mastercard design, which is completely free. Finally, click the box to consent to electronic disclosures, and hit that Pre-Qualify Now button. The response to your application should be in your inbox within minutes.

Indigo Mastercard® Contacts

Correspondence Address

Genesis FS Card Services
PO Box 4477
Beaverton, OR 97076-4477

Offer Recap

Indigo Mastercard credit cards are a perfect solution for people who want access to an unsecured credit card to regain financial freedom and build better credit.

The cards in the Indigo credit card offer include:

All of these cards are issued by Celtic Bank and serviced by Genesis FS Card Services. Each one of them makes a perfect starter credit card, which you can use to start building your credit history or improving your credit score.

The issuer reports to all three major credit bureaus and has a standard 25-day long billing cycle. The high APR and late payment fees are completely avoidable via responsible card use. The only real expense is the costly annual fee, which can be justified by low approval requirements and no deposit.

These cards can be valuable tools in anyone’s financial toolkit. Via smart and responsible use, they can help you improve your creditworthiness and be able to apply for more beneficial credit cards in the future.

Indigo Mastercard FAQ. What People Ask About Indigo Mastercard Cards

Can I get a cash advance with Indigo Platinum Mastercard?2020-04-29T13:57:39-05:00

Indigo Platinum Mastercard can be used to securely access cash at many ATMs. To do it, you will need a PIN, which you can request from the issuer – the Celtic bank. Make sure to cover your cash advances before the end of your billing cycle, or you will be charged with the interest rate and late payment fee.

What is the minimum credit score to apply for Indigo Platinum Mastercard?2020-04-29T13:49:12-05:00

There are no credit score requirements whatsoever. Anyone can apply for the Indigo Platinum Mastercard, as long as they are of legal age in their state, have a social security number, email address, and residential address in the U.S.

I have a bankruptcy on my credit history, can I apply for Indigo Mastercard?2020-04-29T13:54:37-05:00

With Indigo Unsecured Mastercard – prior bankruptcy is okay. Even if you have a bankruptcy in your financial records, you can pre-qualify for this card. It is a starter card that can help you reestablish your creditworthiness after suffering a financial blow.

What bank is Indigo Mastercard credit card?2020-04-29T14:08:44-05:00

Indigo Mastercard credit cards are issued through Celtic Bank and serviced by Genesis FS Card Services, Inc.

Will the Indigo pre-qualification application have an impact on my credit score?2020-04-29T13:53:01-05:00

The issuer is very clear about their pre-qualification application process, not having an impact on credit score. During the application review, the issuer will make a soft inquiry into your credit profile, which won’t affect your credit. Other issuers won’t be able to see it on your record at all.

Where can I get a Indigo Platinum Mastercard mobile App?2020-04-29T14:06:05-05:00

The Indigo Mastercard credit cards do not have mobile apps neither for Google phones nor for iPhones.

You can manage your Indigo account online on  https://indigo.myfinanceservice.com/Account/Login .

Does Indigo Platinum Mastercard have a credit limit?2020-04-29T13:55:56-05:00

Indigo Platinum Mastercard has a credit limit. Unfortunately, the issuer doesn’t specify it. To promote the responsible use of credit, the issuer determines the credit limit for each consumer individually. You won’t be able to find out what your credit limit will be until your application has been reviewed and approved.

Card offers to Consider