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Indigo® Mastercard® for Less than Perfect Credit
Indigo® Mastercard® for Less than Perfect Credit Review
The Indigo® Mastercard® for Less than Perfect Credit is a good choice for people who are trying to rebuild credit.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Indigo® Mastercard® for Less than Perfect Credit
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on Indigo® Mastercard®'s secure site
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Indigo® Mastercard® for Less than Perfect Credit
SIGN-UP BONUS
None
REWARDS RATE
Non-rewards card
Fees & Deposit
$175 - $199 annual fee, no security deposit required
Custom Card Design
Pick from multiple card designs at no extra charge*
Reports to Credit Bureaus
Account history is reported to the three major credit bureaus in the U.S.
Annual Fee
$175 - $199
Card Brand
Mastercard®
Recommended Credit Score
Poor / FairHighlights
- Now with higher credit limits
- Increase your access to available credit
- Higher limit than before, still no security deposit required!
- Greater access to credit than before
- Less than perfect credit is okay
- Mobile account access at any time
- Account history is reported to the three major credit bureaus in the U.S.
Additional Info
Foreign Transaction Fee
1% of each transaction in U.S. dollars
Balance Transfer Fee
N/A
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Apr 08, 2025
The Indigo® Mastercard® for Less than Perfect Credit is designed for people who are trying to build credit. The standard APR is 35.9%, so it’s best to avoid carrying a balance. The annual fee varies depending on your creditworthiness; cardholders will have an annual fee of $175 - $199. There may also be some Set Up and Maintenance Fees depending on your credit rating, so be sure to read the Terms and Conditions before submitting your application.
One unique perk of this card is that you can choose a custom card design totally free. The Foreign transaction fee is only 1% of each transaction in U.S. dollars, which is pretty low. Overall, this card is a good tool for building credit.
The Good
- Being able to choose your own card design is a unique feature to this card. Also, checking if you’re pre-approved is quick and easy; you can get a 60 second decision!
The Not So Good
- You won’t know which annual fee you get approved for until you submit the full application. Also, there’s no rewards program with this card, but that’s normal on credit card for building credit.
The Bottom Line
The Indigo® Mastercard® for Less than Perfect Credit is a good choice for people who are trying to rebuild credit.
Editorial Note: This content is not provided by Indigo® Mastercard®. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Indigo® Mastercard®.
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