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)
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Balance Transfer APR (Fixed APR)
24.9%(Verified 10/08/2025)
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Credit Score Range
550 - 650
Annual Fee
$99 - $250
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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.What is the customer service phone number for Indigo card?
The customer service number for Indigo card is .
What is the login page for Indigo card?
You can access the login page of Indigo card here.
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.
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