If you’re on the journey to rebuild your credit score, the Indigo Credit Card could be the powerful tool you’ve been searching for. Issued by Celtic Bank and designed specifically for individuals with poor or no credit history, the Indigo Credit Card stands out in a saturated market of secured and unsecured credit cards.
This in-depth review will explore everything you need to know about the Indigo Credit Card—its features, pros and cons, fees, eligibility requirements, how to apply, and whether it’s the right choice for you in 2025.
What is the Indigo Credit Card?
The Indigo Credit Card is an unsecured credit card tailored for people with less-than-perfect credit scores. Unlike secured credit cards, it does not require a security deposit, making it accessible for those who might not have hundreds of dollars to put down upfront. The card is designed to help users build or rebuild credit with responsible usage and on-time payments.
Key Features of the Indigo Credit Card
| Feature | Details |
|---|---|
| Credit Limit | Typically starts at $300 |
| Annual Fee | $0 to $99, based on creditworthiness |
| APR (Variable) | 24.90% |
| Security Deposit | None required |
| Reports To | All 3 major credit bureaus |
| Foreign Transaction Fee | 1% of the transaction amount |
| Pre-qualification | Soft inquiry, no impact on credit score |
Who Should Consider the Indigo Credit Card?
- Individuals with poor or limited credit history
- People who have recently gone through bankruptcy
- Consumers wanting a no-deposit credit card
- Those looking to build credit while managing a small credit line
Indigo Credit Card: Pros and Cons
Pros:
- No Security Deposit Required
- Reports to All Major Bureaus
- Pre-Qualification Available
- Easy Approval for Poor Credit
- Visa Network Acceptance
Cons:
- Low Starting Credit Limit
- Annual Fee Varies
- No Rewards Program
- High APR
How to Apply for the Indigo Credit Card
- Visit the Official Website – IndigoCard.com
- Check for Pre-Qualification
- Fill Out the Application
- Wait for Approval
- Activate and Use
Indigo Credit Card vs Other Credit Building Cards
| Feature | Indigo Credit Card | Capital One Platinum Secured | Discover It Secured |
|---|---|---|---|
| Deposit Required | No | Yes | Yes |
| Rewards | No | No | Yes (Cashback) |
| Annual Fee | $0 – $99 | $0 | $0 |
| Credit Reporting | All 3 Bureaus | All 3 Bureaus | All 3 Bureaus |
| Credit Line Increases | Limited | Available | Available |
Does the Indigo Credit Card Really Help Build Credit?
Yes. It reports to Equifax, Experian, and TransUnion. As long as you make timely payments and keep your utilization low, you can see improvements in your credit score within a few months.
Fees You Should Know
- Late Payment Fee: Up to $41
- Returned Payment Fee: Up to $41
- Foreign Transaction Fee: 1%
- Cash Advance Fee: Either $5 or 5% (whichever is greater)
Common Mistakes to Avoid
- Using More Than 30% of Credit Limit
- Missing Payments
- Assuming Credit Limit Will Increase Automatically
- Ignoring Annual Fee
Expert Tips for Maximizing the Indigo Credit Card
- Automate Payments
- Request Payment Alerts
- Use It for One Small Bill Monthly
- Check Your Credit Score Regularly
- Graduate to Better Cards Over Time
What Customers Are Saying
Many users praise the Indigo Credit Card for easy approvals and its helpfulness in rebuilding credit. However, there are occasional concerns about fees and the low credit limit. You can view more reviews on BBB.org.
Alternatives to Indigo Credit Card
- Capital One Platinum Secured
- Chime Credit Builder Card
- Self Credit Card
- OpenSky® Secured Visa® Credit Card
Final Verdict: Is the Indigo Credit Card Worth It?
The Indigo Credit Card is a reliable tool for credit rebuilding. It’s best for those who can’t afford a deposit and need to demonstrate responsible credit usage. Despite a few limitations, it serves as a powerful stepping stone toward financial recovery.
FAQs about the Indigo Credit Card
1. Does the Indigo Credit Card require a credit check?
Yes, there is a credit check during final approval, but pre-qualification involves only a soft pull.
2. Can I increase my Indigo Credit Card limit?
No, Indigo typically does not offer credit limit increases.
3. How fast can the Indigo Credit Card improve my credit?
With responsible use, you may see improvement in 3–6 months.
4. Is the Indigo Credit Card accepted internationally?
Yes, it’s a Visa card and accepted worldwide. A 1% foreign transaction fee applies.
5. How can I cancel my Indigo Credit Card?
Contact customer service via the number on the back of your card. Be sure to pay off your balance first.
Conclusion
The Indigo Credit Card is a trusted, accessible credit-building tool for those needing a second chance. Ready to take control of your financial future? This card could be your perfect starting point.