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
None
No welcome bonus; offers range from no annual fee to $250 the first year, assigned at approval
Spend Requirement
None
Annual Fee
$250
1% FTF
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 |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome bonus; annual fee $0 to $250 first year by offer | Indigo Mastercard account agreements, CFPB Q2 2026 filing (Celtic Bank) → |
| 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 ledger- unavailable
Official site returns Akamai 403 to automated and headless requests; record left unchanged
Indigo Mastercard site → - changed
Agreements show offers from no annual fee to $250 first year then $99 plus $231/yr monthly fees; 1% FTF; 29.9% to 35.9% APR; no bonus
Fields: annualFee
Indigo Mastercard account agreements, CFPB Q2 2026 filing (Celtic Bank) →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 0xNo rewards: this card exists only to report payment history
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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 $250 the first year, then $99 a year plus $231 in monthly fees on the costliest offers
- −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 $250 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.
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