Indigo Mastercard

Indigo Mastercard Review

This is a card issued by Celtic Bank. If you're wondering whether Indigo card is the right card for you, read on.

Key Takeaways

• High APRs. 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 1% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, 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 bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Indigo card

The Good	The Bad
Pre-qualify without impacting your credit score Worry free spending with $0 liability on unauthorized charges! Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Travel accident and travel assistance insurance. Considers applicants with fair credit. Indigo Mastercard reports to multiple credit bureaus.	Higher than average purchase APRs. Charges an annual fee of up to $99. Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase.

Indigo card FAQ

Does Indigo card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Indigo card benefits?

It provides the following benefits:

• 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Indigo Mastercard has a fixed purchase APR of 24.9%. It also has a fixed cash advance APR of 29.9% . Note that late payments are subject to an APR of 29.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Indigo card?

The following fees apply:

• An overlimit fee of $40.

Indigo card Fees

Fees	Amount
Annual Fee	Starting at $75 up to $99 (Annual fees vary by year)
Overlimit Fee	$40
Foreign Transaction Fee	1%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

Does Indigo Mastercard report your account activity to credit bureaus?

Yes, Indigo Mastercard reports your account activity to the following credit reporting agencies:

• 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 improve your credit.

How to apply for Indigo card

• Visit the Indigo card website.
• 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.