How to apply for the Indigo Mastercard: requirements and steps

Who can apply, how the process works and what the card costs before you accept it

By Luzia Martins updated in 09/24/2026

The Indigo® Mastercard® is an unsecured credit card for people with less-than-perfect credit, issued by Celtic Bank and serviced by Concora Credit. This guide covers who can apply, how the application works, what to expect after approval and how to reach customer service.

The card at a glance

Type: unsecured credit card, no security deposit
Credit reporting: all three major credit bureaus
Starting credit limit: typically $300
Annual fee: varies based on your credit profile
Purchase APR: 35.9% variable in recent offers
Rewards and balance transfers: not available

Terms checked in September 2026. Indigo doesn’t publish its fees and APR on its public website, so review the full terms shown during the application before you accept the card.

Who the card is for

The Indigo Mastercard is meant for people who want to build or rebuild credit, have been turned down for other cards and can’t put down a security deposit. It doesn’t offer rewards or travel benefits. Because of its fees and APR, it works best if you keep your balance low and pay in full every month.

Who can apply

According to Indigo, to be approved you must:

Be at least 18 years old
Have a valid Social Security number, a physical address and a U.S. IP address
Not have had an Indigo Mastercard account charged off due to delinquency
Meet additional credit criteria, including a review of your income, your debts and your identity

Approval isn’t guaranteed, and you can only have one Indigo Mastercard account. Under federal law, applicants under 21 must also show enough independent income to make the payments.

Information you’ll need to apply

The application is online, and you don’t need to upload documents to start it. Have this information ready:

Full legal name and date of birth
Home address
Social Security number
Total annual income

Indigo may ask for additional information to verify your identity.

How to apply for the Indigo® Mastercard®

Go to the Indigo website and open the application form. If you received an offer in the mail, use the mail offer option on the website instead.
Fill in your personal and financial information. There’s no option to apply by phone.
Review the terms shown to you, including the annual fee, APR and credit limit, before you accept.
Wait for the decision. If you’re not approved, no hard inquiry appears on your credit report.

After you’re approved

In most cases, the card arrives within 14 business days of approval. If it hasn’t arrived within 21 days, call the Lost/Stolen Department at 1-800-314-6340.

Once you have the card, create a login on Indigo’s online account portal to manage your account and pay your bill. Before using the card outside the U.S., call customer service to set a travel alert, or foreign transactions may be declined.

How the credit limit works

Indigo sets your credit limit when it approves your application. A limit of $300 is common. Indigo doesn’t publish information about credit limit increases, so if you want a higher limit, contact customer service to ask whether your account is eligible.

With a low limit, keep your balance well below it. Using a large share of your limit raises your credit utilization, which can lower your score.

Frequently asked questions

Will I definitely be approved?

No. The card is designed for people with less-than-perfect credit, but Indigo reviews each application, including your income, debts and identity, before making a decision.

Does applying affect my credit score?

If you’re not approved, no hard inquiry appears on your credit report, so your score isn’t affected. If you’re approved, a hard inquiry may appear.

Does the Indigo Mastercard offer rewards?

No. The card doesn’t offer cash back or rewards. Its main purpose is helping you build a payment history.

Can I transfer a balance to the card?

No. Indigo doesn’t offer balance transfers.

Can I get a cash advance?

Yes, subject to credit approval. After you’re approved, you can call to request a PIN, which is sent by mail and lets you withdraw cash at many ATMs. Cash advances usually carry fees and interest, so check your cardholder agreement first.

What should I do if my card is lost or stolen?

Call 1-800-304-3096 right away. With Zero Liability protection, you may not be responsible for charges made without your permission.

What happens if I miss a payment?

You may be charged a late fee, and late payments reported to the credit bureaus can hurt your score, which works against the reason for having this card.

How to contact Indigo

Customer service: 1-800-353-5920, Monday through Friday, 6 a.m. to 6 p.m. Pacific Time
Lost or stolen card: 1-800-304-3096
Card not received: 1-800-314-6340
Correspondence: Concora Credit, PO Box 4477, Beaverton, OR 97076-4477
Payments by mail: Concora Credit, PO Box 96541, Charlotte, NC 28296-0541

Our take on the Indigo® Mastercard®

The Indigo Mastercard gives people with damaged or limited credit a way to build a payment history without a security deposit. That access comes at a price, with an annual fee, a high APR and a low limit. If you can afford a deposit, a secured card with no annual fee is usually the cheaper route. If you choose Indigo, pay on time, keep your balance low and reassess your options after a year.

The button below takes you to Indigo’s official website, where you can review the card and apply.

GO TO OFFICIAL WEBSITE

*You will be redirected to Indigo’s website*

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