An unsecured Mastercard built for less-than-perfect credit, with no security deposit. Independent review by CapePath.
Apply with confidence: if you are not approved, a hard inquiry will not appear on your credit report, so your score is not impacted.
The Indigo® Mastercard® is an unsecured credit card built for people with less-than-perfect credit who want to build or rebuild their history. Unlike a secured card, it does not require a refundable deposit, and if you are approved you receive a credit line up to $1,000. It is a real Mastercard, accepted everywhere Mastercard is, and it reports to all three major credit bureaus so responsible use is recognized.
| Annual fee | $250 in the first year; $99 thereafter |
| Monthly fee | $0 the first year (billed $0 each month); $231 annually thereafter (billed $19.25 each month) |
| Purchase APR | Around 35.9% (see terms) |
| Credit limit | Up to $1,000 if approved |
| Security deposit | None (unsecured) |
| Rewards | None |
If you are approved, your new account and a credit inquiry will appear on your credit report. If your application is not approved, a hard inquiry will not appear on your credit report, which means your credit score will not be impacted.
No. The Indigo Mastercard is unsecured, so there is no refundable deposit like a secured card. If approved, you receive a credit line set by the issuer, up to $1,000.
It is designed for less-than-perfect credit. Applications are subject to issuer review, which may include obtaining your credit report, and approval is not guaranteed. If you recently applied for or already have an Indigo Mastercard, you may not be approved.
Yes, to all three major bureaus. Paying on time and keeping your balance low can help you build a positive payment history.
The Indigo® Mastercard® is issued by Celtic Bank pursuant to a license from Mastercard and serviced by Concora Credit Inc. Applications are subject to issuer review (which may include obtaining your credit report) and approval; to be approved you must meet the issuer's requirements for creditworthiness, ability to pay, and identity verification. If you have recently applied for or already have an Indigo Mastercard, you may not be approved. This offer may be unique and can only be guaranteed when using the link provided; other offers for this card may feature different terms and conditions. Annual fees, APRs, and credit limits vary by applicant. TrueRateGuide is an independent comparison service and may be compensated when you apply, which never changes your terms. This is an advertisement.