The Indigo Mastercard is designed for people with fair or damaged credit who want a second chance to strengthen their financial profile. With this card, you can take real steps to improve your score while gaining access to a globally accepted Mastercard. Indigo recognizes that financial setbacks don’t define your future — and it offers a straightforward way to start fresh.
What makes it especially appealing is that it doesn’t require a security deposit, making it more accessible than many secured alternatives. While the starting limit is modest, it provides the foundation needed to demonstrate responsible credit use and open the door to better opportunities.
Key Benefits of the Indigo Mastercard
Credit Building Made Simple
Your payment activity is reported to Experian, Equifax, and TransUnion. This consistent reporting ensures that every responsible transaction contributes positively to your credit history.
No Security Deposit Required
Unlike secured cards, Indigo doesn’t ask for upfront collateral. You can apply without having to lock away funds, which makes it easier to get started on your rebuilding path.
Inclusive Access
The Indigo Mastercard is designed for people with less-than-perfect credit, making it an option for those who may not qualify for traditional unsecured cards.
Flexible Payment Dates
Customize your payment due date to better match your income schedule. This flexibility makes it easier to stay on track and avoid late fees.
Effortless Digital Management
Track your spending, manage payments, and monitor your account through Indigo’s online portal and mobile tools, giving you full control wherever you are.
Worldwide Acceptance
Backed by the Mastercard network, the Indigo card works globally at millions of merchants, both in-store and online.
Prequalification Process
Check if you’re eligible before applying without impacting your credit score. This feature provides peace of mind and transparency before you submit your full application.
Points to Consider
- High APR: Carrying a balance will cost more due to a higher-than-average interest rate.
- Foreign Transaction Fees: International purchases come with added costs.
Eligibility Requirements
To apply for the Indigo Mastercard, you must:
- Be at least 18 years old (21 in some states).
- Have a valid Social Security Number.
- Be a legal U.S. resident with a verifiable address.
- Show proof of income to demonstrate repayment ability.
- Agree to a basic credit review as part of the application.
How to Apply
- Visit the official Indigo Mastercard website.
- Complete the application with your personal, income, and contact details.
- Review the card’s terms and conditions carefully.
- Submit the application for review.
- Wait for a decision, which may arrive within minutes or a few business days.
- If approved, your card will be mailed and ready to activate.
Frequently Asked Questions
What’s the annual fee?
The fee varies depending on your profile and will be disclosed upon approval.
Can I use it abroad?
Yes, the Indigo Mastercard works worldwide, anywhere Mastercard is accepted.
Does it help improve my credit?
Yes. Indigo reports your activity to all three credit bureaus, helping you strengthen your credit history.
Is there an app for account management?
Yes, you can manage your Indigo Mastercard through their mobile app or online portal.
Can I increase my credit limit later?
Possibly. While not guaranteed, responsible use and consistent payments may improve your eligibility over time.
