Indigo Mastercard
By Alex Compton · Last verified
Unsecured approval for bad credit, paid for with one of the heaviest fee schedules in the market.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
Poor
(designed for damaged credit)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome bonus; fee structure assigned at approval | Archive record · no attached snapshot |
| 2023-01 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 0xNo rewards: this card exists only to report payment history
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦No security deposit required
- ✦Pre-qualification with a soft pull only
- ✦Reports to all three credit bureaus
Why it earns its spot
- +Approval is realistic after bankruptcy
- +Soft-pull pre-qualification shows your offer before you commit
Where it costs you
- −Up to $175 the first year, then $49 plus possible monthly fees depending on your offer
- −Roughly $700 to $1,000 credit limit with no path to meaningful increases
- −APR around 35.9% and zero rewards
The Compound Verdict
You are paying up to $175 in year one for a small unsecured line and nothing else. A $200 deposit on a no-fee secured card builds the same history, costs less over two years, and comes back to you when you graduate. Only consider Indigo if a deposit is truly impossible.
Rate this card
Be the first to rate it
Commentson Indigo
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.