Last Updated: 10/08/2025
SuperMoney User Recommendation Score -20
Mostly not recommended45 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Fixed APR)
24.9%(Verified 10/08/2025)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
24.9%(Verified 10/08/2025)
Disclaimer popup with additional information
Credit Score Range
550 - 650
Annual Fee
$99 - $250
Disclaimer popup with additional information
Number of Reviews
Indigo Mastercard Review
This is a card issued by The Indigo Platinum Mastercard is issued by Celtic Bank, a Utah-Chartered Industrial Bank, and serviced by Concora Credit Inc. If you're wondering whether Indigo Mastercard is the right card for you, read on.
Key Takeaways
- N/A
- APR: This is not a great card for people who carry a balance. It has a fixed purchase APR of 24.9%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Indigo card
| The Good | The Bad |
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Indigo card FAQ
Does Indigo card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Indigo card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Indigo Mastercard has a fixed purchase APR of 24.9%. The card has a fixed balance transfer APR of 24.9% . It also has a fixed cash advance APR of 35.9% .
Note that late payments are subject to an APR of 35.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Indigo card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Indigo card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Indigo card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $99 - $250 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $99 up to $250.
Does Indigo card have a foreign transaction fee?
Indigo card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.How do people rate the customer service and user experience of Indigo card?
Overall, Indigo card is mostly not recommended based on community reviews that rate customer service and user experience.
Does Indigo Mastercard report your account activity to credit bureaus?
Yes, Indigo Mastercard reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Concora Credit Inc perform a hard credit pull?
Yes, Indigo card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Indigo card
- Visit the website of Indigo card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Indigo card
Other Services by Concora Credit Inc
Other Credit Cards from Concora Credit Inc
Purchase APR
24.9%
Disclaimer popup with additional information
Balance Transfer APR
24.9%
Disclaimer popup with additional information
Credit Score Range
300 - 850
300
850
Annual Fee
$49 - $175
Disclaimer popup with additional information
Purchase APR
24.9%
Disclaimer popup with additional information
Balance Transfer APR
24.9%
Disclaimer popup with additional information
Credit Score Range
550 - 650
300
850
Annual Fee
$99 - $250
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -20, or 2.6 on a 5-point rating scale.
-20
-1000+100
No one recommends
Everyone recommends
Indigo Mastercard Community Reviews
Would you recommend Indigo Mastercard to your friends?
William P.
Sep 18, 2023
May or may not recommend
Horrible card. I use the card for only one month. Try to do automatic payments through my account and their system couldn’t do it for some reason so the payment never went through which seems like a they problem and not a me problem. Charge me all these late fees and overdraft fees for only one month. Then when I called to get them taken off, it was a ...Show More
LP
Laura P.
May 9, 2023
May or may not recommend
I registered on line,does not show my transactions. I paid on line in advance,and there holding on to my payment for two weeks. So that tells me there making interest off my payment for two weeks. I can't use card and there showing me negative -$6 Do not get this card
MA
Muhammad A.
Jul 25, 2022
May or may not recommend
I wouldn't recommend anyone to get this card. It charges a huge amont of annual fees. It's simply not convenient and very expensive. It doesn't even get you any rewards after purchases. Whatever you do do not get this card!
AS
Anisiya S.
Jul 22, 2022
May or may not recommend
Isn’t worth the trouble to even sign up! The card locks on its own and then you have to sit on the phone for hours trying to get someone to answer the phone to unlock it. You get bombed with fees left and right so you lose money
JH
Jaclyn H.
May 3, 2022
May or may not recommend
It comes in the mail every so often saying that you are approved but when you apply it will just say you are not approved even though you already have a pre-approval. Generally, I feel like this card is just a hit to your credit that is not worth the risk.
CK
Cloud K.
Mar 29, 2022
May or may not recommend
Indigo Platinum are not known for providing frequent credit limit increases. You should only ask for one if you have at least 6 months of on-time payments.
U
Anonymous
Mar 22, 2022
May or may not recommend
Company let fraudulent charges remain on my account. Still fighting it, as I will not pay for things I didn't charge, period. There's no wiggle-room in this. I've filed my complaint here, officially. They don't have a way to report your card stolen or fraudulent charges to a specific number, or online. You have to muddle through their craptastic IVR to talk to a rep (it's not even a menu ...Show More
Yannick M.
Mar 9, 2022
May or may not recommend
They have a very high annual fee which someone like me can not afford to pay.
Katrina O.
Mar 8, 2022
May or may not recommend
If you can put aside the high APR (let's be honest, almost any line of credit or loans has a high APR these days) then this is a pretty decent starter card. They work with low credit scores and it's easy to get approved. There hasn't been any random fees or anything, and they don't harass you if you are a couple days late on a payment, but there is ...Show More
BS
Bonnie S.
Mar 7, 2022
May or may not recommend
The credit limit is low and the annual fee and monthly percentage rates are high. When you make a payment they’ll put a 14 business day hold on you’re posting even if you’ve had the card for multiple years and always paid on time. This card is a rip off and a scam.
Sarah L.
Jan 12, 2022
May or may not recommend
It's difficult to get in touch with this company if you have a problem. There is no chance of a credit line increase either. An overall frustrating experience.
ER
Emma R.
Jan 6, 2022
May or may not recommend
Coming across this card has been something for me. Don't know why it feels rejected or underrated but seems pretty cool to me. People complain mostly about its high fees, but a good product (in this case: Indigo) comes with a great price. The card designs are also pretty cool. Love it!
TG
Tom G.
Aug 19, 2021
May or may not recommend
Good deal good company no problems ever great card no hassle
Andrew H.
Aug 12, 2021
May or may not recommend
Good card for rebuilding credit. Do not keep a balance as the APR is very steep. No rewards for purchases.
WM
William M.
Jul 23, 2021
May or may not recommend
Pros: Cool card design. Cons: everything else. They charge annual fees that are pretty steep. The card also has very high interest and they charge foreign transaction fees so its not a great card if you travel a lot or buy things online from different countries.
FC
Florencia C.
Jul 22, 2021
May or may not recommend
I wouldn't recommend anyone to get this card. It charges a huge amont of annual fees. It's simply not convenient and very expensive. It doesn't even get you any rewards after purchases. Whatever you do do not get this card!
David G.
May 19, 2021
May or may not recommend
I have had this card for over three years I have never had a problem with this card I’ve never had bad customer service. Pay your bill on time and you won’t have issues if you can’t afford a card don’t apply for it. They even placed me on a plan when I lost my job. If you have bad credit this will help you, however bad credit comes with ...Show More
CB
Ceaser B.
May 18, 2021
May or may not recommend
My loan officer was Lee Korengold, he was able to help me bring my credit score up through repair experts, Royalfinancialrescue com and got me into a home using VA when the verterans united said they couldn't help me. The whole team over there put in 100 percent to make this transition go through as fast as possible and solved the few small set backs that came up ASAP. ...Show More
GO
Gerald O.
May 18, 2021
May or may not recommend
This card has helped me raise my credit score. It’s easy to apply and received my card so quickly. Remember to keep under 10 percent and strictly for credit building only.
This was my first credit card and it did wonders for my credit! I recommend this to anybody trying to rebuild credit or anyone that just started their credit journey. It took me awhile to learn the ropes of building ...Show More
SG
Sue G.
Jan 6, 2021
May or may not recommend
This is a situation where you need to understand what you are signing up for. The Indigo card has a high-interest rate and annual fee. If you are rebuilding credit and can control your spending, Indigo Mastercard can be helpful. This is not a card you want to max out, you want to manage your spending keep it at about thirty percent of your available credit to really make a ...Show More
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