Indigo Credit Card

The Indigo Mastercard is primarily aimed at individuals with poor or fair credit scores, offering an opportunity to build or rebuild credit without requiring a security deposit.

Indigo® Mastercard® for Less than Perfect Credit
Indigo® Mastercard® for Less than Perfect Credit
  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.
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Intro Rate: N/A – Intro (Purchases): N/A – Intro (Balance Transfers): N/A – Intro APR Period: N/A – Purchase APR Rate: 35.9% – Annual Fee: $175 – $199 – Credit Needed: Bad/Poor/Fair – Foreign Transaction Fee: 1% of each transaction in U.S. dollars


  • No credit score requirement: This is a major advantage if you have limited credit history or past blemishes.
  • Reports to all three credit bureaus: Using the card responsibly and making payments on time can help you build credit over time.
  • Wide acceptance: Mastercard is accepted at millions of locations worldwide.
  • No security deposit: Unlike secured cards, you don’t need to tie up cash upfront.


  • High annual fee: The annual fee can range from $175 to $199, which can be a significant cost for someone rebuilding credit.
  • High interest rate: The APR is typically around 35.99%, which means you’ll accrue significant interest charges if you carry a balance.
  • No rewards: You won’t earn any cashback, points, or travel miles with this card.

Alternatives to Consider:

  • Capital One QuicksilverOne Cash Rewards Credit Card: Unlimited rewards – Earn 1.5% cash back on every purchase, every day. You could receive a higher credit limit in just 6 months..
  • Milestone Mastercard: $700 initial starting credit limit, similar approval odds and lower fees / interest.
  • Secured cards from your local bank or credit union: These may offer lower fees and interest rates, especially if you already have a banking relationship with them.


If your primary goal is to build credit and you’re confident you can manage your spending responsibly and avoid carrying a balance, the Indigo Mastercard could be an option. However, the high annual fee can quickly outweigh the benefits.