Indigo® Mastercard® for Less than Perfect Credit
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Credit Score
Annual Fee
$175 the first year; $49 thereafter
Foreign Fee
1% of each transaction in U.S. dollars
Purchase APR
N/A
Balance Transfer APR
N/A
Regular APR
35.9%
Editor's Take
CardCompareHub editorialEditorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Celtic Bank.
The Less than Perfect Credit Indigo variant: a guaranteed credit limit, a sharp first-year fee that drops to a more modest ongoing fee, no rewards, a small foreign transaction fee.
Same product family as Destiny and Milestone, same critique. The first-year fee for a modest line and no rewards is a steep price for credit access — though no deposit is required, which is the practical edge over a secured card. After year one, the ongoing fee is more competitive but still buys you no rewards and no benefits. If a Capital One Platinum Secured can approve you, it's almost always the better starting point.
Card Details
- 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.
Indigo® Mastercard® for Less than Perfect Credit
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Rates & fees apply. See issuer's website for full terms and conditions.