If you’re looking for a credit card that helps you rebuild or establish credit, the Indigo Platinum Mastercard may be a smart option.
In this Indigo Credit Card review, we’ll explore its features, benefits, drawbacks, and whether it’s a good credit card for bad credit in 2025.
What is the Indigo Credit Card?
The Indigo Credit Card is an unsecured credit card issued by Celtic Bank and designed for people with poor or limited credit history. Unlike secured credit cards, it does not require a cash deposit to open an account. This makes it a convenient choice if you’re trying to build credit without tying up funds.
The card is accepted everywhere Mastercard is, which means you can use it for everyday purchases, online shopping, or travel. It also reports to all three major credit bureaus — Equifax, Experian, and TransUnion — a crucial factor in improving your credit score.
Key Features of the Indigo Platinum Mastercard
- No security deposit required
- Pre-qualification with no impact on your credit score
- Credit limit usually starts at $300
- Annual fee ranges from $0 to $99, depending on your credit profile
- APR (Annual Percentage Rate) of about 24.9%
- Fraud protection and Mastercard benefits
Pros of the Indigo Credit Card
- Build Credit Fast: On-time payments and responsible use are reported monthly, helping you build or rebuild credit.
- No Deposit Needed: As an unsecured card, it’s accessible to those who can’t afford a security deposit.
- Easy Pre-qualification: Check your approval odds without affecting your credit score.
- Perfect for Bad Credit: Designed for people with credit scores under 600.
Cons of the Indigo Credit Card
- Low Starting Credit Limit: Most users start with a $300 limit, which may affect your credit utilization ratio.
- Possible Annual Fee: Some users are approved with a $75 or $99 yearly fee.
- No Rewards or Cash Back: The card does not offer any points or rewards.
- High Interest Rate: The fixed APR is relatively high, so carrying a balance can be costly.
Who Should Apply for the Indigo Card?
The Indigo Platinum Mastercard is ideal for:
- People with bad credit or no credit history
- Individuals who have been denied other credit cards
- Those looking to rebuild credit without using a secured card
If you’re looking for credit cards for rebuilding credit or want to avoid a deposit, the Indigo card can serve as a stepping stone. However, if you have fair or good credit, you may qualify for cards with better benefits and no annual fee.
Final Verdict: Is the Indigo Credit Card Worth It?
The Indigo Credit Card is a useful tool for credit repair if used responsibly. It doesn’t offer perks like cash-back rewards, but its main goal is to help you rebuild credit and get back on track financially.
Just be mindful of the annual fee and avoid carrying a balance to make the most of it.
