Credit card review
Indigo Mastercard Review
IndigoMastercardSecured
Indigo Mastercard earned 1.5 / 5 in our 2026 review. The Indigo Mastercard earns no rewards with a $175 annual fee. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-08-04
Indigo
Indigo Mastercard
Indigo
Indigo Mastercard
TL;DR
Annual fee
$175
Signup bonus
None
Top reward rate
No rewards
Intro APR
None
Issuer
Indigo
Network
Mastercard
Min credit score
300
Fintiex rating
1.5 / 5
Pros
- +Unsecured card, so no security deposit is required
- +Prequalification uses a soft pull that does not hurt your credit score
- +Reports to all three major credit bureaus (Equifax, Experian, TransUnion)
- +Accepts applicants with prior bankruptcy or deep subprime scores
- +Standard Mastercard acceptance and $0 fraud liability
Cons
- -Annual fee runs up to $175 the first year, then $49 plus $12.50 per month (about $199 per year) on the highest-fee offer, as of mid-2026; exact terms vary by offer and applicant
- -The fee math is brutal: a $175 first-year fee on a $300 limit consumes 58% of your available credit before you buy anything
- -Credit limits are typically $300 to $700, and Indigo rarely grants increases
- -Purchase APR is roughly 24.9% to 35.9% depending on the offer you receive
- -No rewards, no cash back, no upgrade path to a better card
- -Issued by Celtic Bank and serviced by Concora Credit, which draws heavy complaint volume over fees and customer service
- -A no-fee secured card like the Discover it Secured or Capital One Platinum Secured builds credit for $0 a year and refunds your deposit; if you can save even $49 to $200 for a deposit, the secured route is almost always better
- -Verdict: skip it unless you have zero money for a deposit and were declined by Mission Lane; if you do take it, pay in full monthly and treat it as a 12-month stepping stone
Rewards detail
The Indigo Mastercard is built for credit building, not rewards. There is no cash back or points program attached to spending. The value here is in reporting positive payment history to all three credit bureaus while you rebuild your score.
Rates and fees
Annual fee
$175
Purchase APR
24.9% to 35.9%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
24.9% to 35.9%
Cash advance APR
35.9%
Balance transfer fee
None
Foreign transaction fee
1%
Who it's for
The Indigo Mastercard is built for people who want a secured card. Most approvals land at FICO 300 and above, but issuers prefer scores near 550. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best secured cards roundup.
Compare with similar cards
Frequently asked questions
Does the Indigo Mastercard have a foreign transaction fee?
Yes. The Indigo Mastercard charges a 1% foreign transaction fee on purchases made outside the United States. If you travel internationally often, pair this card with a no-foreign-fee travel card.
What credit score do I need for the Indigo Mastercard?
Approvals typically start around a FICO score of 300, but Indigo prefers 550 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
Does the Indigo Mastercard have a welcome offer?
No. The Indigo Mastercard does not run a traditional signup bonus right now. The ongoing rewards rate is the main reason to apply, not a one-time promotion.
Does the Indigo Mastercard have a 0% intro APR offer?
No. The Indigo Mastercard does not currently offer a 0% intro APR period. The standard variable purchase APR is 24.9% to 35.9%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Indigo Mastercard?
$175 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Indigo Mastercard worth it?
Fintiex rates the Indigo Mastercard 1.5 out of 5 for 2026. It is best for secured. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
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