Indigo Invitation Offer

Indigo® Mastercard® for Less than Perfect Credit
Issuer: Celtic Bank • Network: MastercardSynced Daily Data Verified: Sep 18, 2026
	Get the credit limit you deserve—$700 guaranteed if approved Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms. Get the credit you deserve, even with less-than-perfect history. Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Don't Have Perfect Credit? No Problem! No security deposit, just purchasing power. Learn More
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 the first year; $49 thereafter - Monthly Fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month) - Credit Needed: Poor/Fair - Foreign Transaction Fee: 1% of each transaction in U.S. dollars - Credit Limit: $700 Rates & Fees

Indigo® Mastercard® - $1,000 Credit Limit
Issuer: Celtic Bank • Network: MastercardSynced Daily Data Verified: Sep 18, 2026
	Get the credit limit you deserve—$1,000 guaranteed if approved Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms. Get the credit you deserve, even with less-than-perfect history. Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work. Zero Fraud Liability - Peace of mind that comes with having a Mastercard. Don't Have Perfect Credit? No Problem! No security deposit, just purchasing power. Learn More
Purchase APR Rate: 35.90% - Annual Fee: See Terms - Monthly Fee: See Terms - Credit Needed: Fair - Late Payment Fee: Up To $41 - Foreign Transaction Fee: 1% of each transaction in U.S. dollars - Credit Limit: $1000 Rates & Fees

Who This Card Is For: A Practical Lane Into Credit

The Indigo Mastercard with a $1,000 starting limit is designed to help you progress. Issued by Celtic Bank, the card can offer a $1,000 limit upon approval and does not require a security deposit, so you can start using credit without locking up cash. The card also reports your activity to all three major credit bureaus, so on-time payments and responsible use can actually reflect in your credit history as you work toward better terms.

The $700 to $1,000 Starting Limit: No Security Deposit Required

For many shoppers, a solid starting limit matters. If your application is approved, you could land up to a $1,000 line of credit with no security deposit, giving you purchasing power from day one. Keep in mind that the exact limit depends on your credit profile and history.

Broad Reporting

One of the standout perks is that your activity is reported to all three major credit bureaus, so responsible use over time can translate into real progress. This isn't just a card with a low limit-it’s a tool to demonstrate positive payment history to lenders who see your entire file.

Apply With Confidence: No Impact If You're Not Approved

The application process is designed to be low-stakes: if you aren’t approved, there’s no impact on your credit score. You can still explore terms and plan next steps without harming your borrowing prospects.

Fraud Protection You Can Trust

With Zero Fraud Liability and the Mastercard network, you get peace of mind against unauthorized charges. This means you’re not on the hook for fraudulent activity, a valuable safeguard when you're building a credit history.

Where This Card Fits Into Your Strategy

Bottom-line considerations: Indigo’s card carries a regular APR of *see terms, and both annual and monthly fees are listed as See Terms. You’ll face a late payment fee up to *see terms and a *see terms foreign transaction fee on purchases made in U.S. dollars. If you’re aiming to establish credit and want a straightforward way to show responsible use to lenders, this card can be a practical stepping-stone, especially since it’s issued by Celtic Bank and offers a $1,000 starting limit without a security deposit. Weigh the costs against your ability to pay on time each billing cycle to get the most from this card.