MastercardIndigo Mastercard
Unsecured approval for bad credit, paid for with one of the heaviest fee schedules in the market.
Welcome Bonus
None
No welcome bonus; fee structure assigned at approval
Spend Requirement
None
Annual Fee
$175
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.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
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 $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.
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