The Indigo® credit card is designed for people with imperfect credit. Celtic Bank issues the card and it’s serviced by Genesis FS Card Services. They approve people with limited or poor credit. Most cards issued have a low Credit Limit, a high APR, and an annual fee.
Indigo® Mastercard® Celtic Bank
| Card | APR for Purchases | APR for Cash Advances | Penalty APR | Annual Fee | Transaction Fees | Penalty Fees | Credit Bureau Reporting | Security Deposit | Pre-Qualification Impact on Credit Score |
|---|---|---|---|---|---|---|---|---|---|
| Plat-602 | 24.9% | 29.9% | N/A | $75/$99 | $5 or 5% (max $100) | Up to $40 | Yes | No | No Impact |
| Plat-603 | 24.9% | 29.9% | N/A | $59/$59 | $5 or 5% (max $100) | Up to $40 | Yes | No | No Impact |
| Plat-606 | 24.9% | 29.9% | N/A | $0/$0 | $5 or 5% (max $100) | Up to $40 | Yes | No | No Impact |
How to Apply for Indigo Credit Card Platinum Mastercard® Online
You can quickly apply for Indigo credit card online.
- First, visit www.indigoapply.com.
- Click on the link saying “See if you’re pre-qualified” near the bottom right-hand corner of the page.
- Next, enter your first and last name, your address, your date of birth, your Social Security number, and your email address. Enter your phone number.
- Choose a design for your credit card. Scroll down and click the box agreeing to the electronic disclosures.
- Click the yellow box saying “Pre-qualify Now” and follow the prompts to finish your application.
Other Options for Indigo Credit Card Application
You can also complete an Indigo® credit card application by mail invitation. If you’ve received an offer in the mail, visit www.indigoapply.com and enter the invitation number. Enter your zip code and click “Get Started.” Follow the prompts to finish your application.
For Example Invitation Number:
Indigo® Credit Card Rewards
The Indigo® credit card doesn’t offer points or cash back rewards. It does include benefits like car rental protection, travel assistance, and extended warranties on items you purchase with the card.
back to menu ↑Indigo® Credit Card FAQs
What is the APR for an Indigo® credit card?
The APR for an Indigo® credit card is 24.9 percent. There is a penalty APR of 29.9 percent.
Can I add an authorized user?
You can add an authorized user. You are responsible for any purchases made by the authorized user.
Is there an annual fee?
The annual fee varies depending on your creditworthiness. You may have no annual fee or be issued a card with a $59 or $75 the first year, $99 thereafter annual fee.
Is there a late fee?
The late fee is $27 if you haven’t had any late payments in the past six months. If you have had a late payment in the past six months, you can be charged a late fee of $40.
Can I get a cash advance?
You can get a cash advance with an Indigo® credit card. You will be charged a fee of $5 or 5 percent, whichever is higher.
i am awaiting my card now can i get the card info as im needing to travel shortly and need the card
If your Indigo Mastercard is lost or stolen, you should contact the lost/stolen department immediately at 1-800-314-6340.
I don’t have any beef with this card, but I Canceled mines after 3 months. For me, it was a pointless card. They gave me a $300 limit..I have 5 other cards…totaling $12000…I just didn’t feel like managing a 6th with only a $300 limit
You have good credit history for you. This card is more for people with bad credit
I got the indigo card 2 weeks after I got my discharge papers 😉 This card is a tool to work on your credit to get those “better” cards.
I don’t have any beef with this card, but I Canceled mines after 3 months. For me, it was a pointless card. They gave me a $300 limit..I have 5 other cards…totaling $12000…I just didn’t feel like managing a 6th with only a $300 limit
I have indigo and i just use it for just in case, even though the only limit $300 i also added some more additional cards to build my credit over time.
$99 annual fee with $300 with no credit limit increases. The only way to get $0 is if you have fair credit and in that case you could get approved for better. I had Indigo credit card, closed it before annual fee hit. And second year they split annual fee monthly.
Great info, Thanks!
What should I do if my Indigo Mastercard is lost or stolen?
Can I apply for the Indigo Mastercard over the phone or only online?
At this time, it appears that the Indigo Mastercard can only be applied for online at http://www.indigocard.com.
What are the eligibility requirements for pre-qualification or approval for the Indigo Mastercard?
To be pre-qualified or approved for the Indigo Mastercard, you must be at least 18 years old (19 in AL), have a valid social security number, physical address, and a US IP address. You must also not have had an Indigo Mastercard account that charged off due to delinquency, and meet additional credit qualification criteria including a review of your income, debt, and identity verification requirements.
How can I contact Indigo customer service for assistance with my account or questions about the card?
You can contact Indigo customer service at 1-800-353-5920 (from 6:00am to 6:00pm, Pacific Time, M-F) for assistance with your account or questions about the card.
Who is the Indigo Mastercard suitable for and what purposes is it good for?
The Indigo Mastercard is suitable for individuals who are interested in establishing or rebuilding their credit. This card is good for individuals who want the convenience of a credit card but may not qualify for a traditional credit card due to a challenging credit history. The Indigo Mastercard can help individuals build a consistent payment record and improve their credit score over time, which may allow them to qualify for better rates on mortgages, car loans, and other forms of credit in the future.