Indigo Invitation Offer

Indigo® Mastercard® for Less than Perfect Credit
Learn More	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. 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 - $199 - Credit Needed: Bad/Poor/Fair - Foreign Transaction Fee: 1% of each transaction in U.S. dollars Rates & Fees

Indigo® Mastercard® - $1,000 Credit Limit
Learn More	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: $250 the first year; $99 thereafter - Monthly Fee: $0 the first year (billed $0 each month); $231 annually thereafter (billed $19.25 each month) - Credit Needed: Fair - Late Payment Fee: Up To $41 - Foreign Transaction Fee: 1% of each transaction in U.S. dollars

The Indigo Credit Card is specifically designed for individuals with poor to fair credit histories who are looking to rebuild or establish their credit standing. In a market saturated with offerings that demand high scores, the Indigo card presents a viable option without the stringent requirements typical of conventional credit cards.

Key Features

• Accessibility: One of the card's most appealing attributes is its leniency towards credit scores that would typically be a barrier to approval. This inclusivity makes the Indigo Credit Card an accessible tool for a wide demographic, aiming to rectify their credit situation.
• Credit Reporting: The card reports to the three major credit bureaus—Equifax, Experian, and TransUnion. Regular reporting is crucial for individuals looking to build or improve their credit scores through consistent, responsible card use.
• Customizable Card Designs: Adding a personal touch, the Indigo Credit Card offers an array of card designs. While this feature doesn't impact financial health, it's a nice touch that personalizes the credit rebuilding journey.
• Fraud Protection: Cardholders are afforded peace of mind with built-in fraud protection. In an era where digital financial transactions are the norm, this feature is both relevant and reassuring.

Considerations

• Annual Fee: Depending on creditworthiness, cardholders may be subject to an annual fee. This fee is variable and can be a consideration for those meticulously managing their finances.
• Credit Limit: The card typically offers a modest credit limit. While this may seem restrictive, it encourages responsible spending and can aid in keeping credit utilization low—a key factor in credit score calculation.
• Interest Rates: The Indigo Credit Card carries a higher-than-average interest rate, a common trait among cards catering to less-than-perfect credit profiles. Awareness and prudent management of balances can mitigate the impact of these rates.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”