Indigo Mastercard
Issued by Celtic Bank
Reviewed by the CardCurator Editorial Team
Before you apply
Use this quick check so you click out only when the offer and fee structure really fit.
- Annual fee: $99 charged each year.
- Who should skip: anyone who will not recover the annual fee through ongoing spend, credits, or the welcome bonus.
- What happens next: you will leave CardCurator for the issuer or partner application page in a new tab.
Confirm current issuer terms and approval rules before you submit an application.
Maximize Your Indigo Points
Expert tips to get the most value from this program
Program Overview
Indigo is a credit-access / credit-building program, not a real rewards destination. The linked cards are primarily relevant for users with limited approval options who need a revolving line that reports to the bureaus, so the main decision factors are fees, account terms, and the ability to move on to a better card later. In Card Curator, Indigo should be thought of as a transitional tool. Rewards optimization is not the central use case; the priority is whether the card helps the user stabilize or rebuild their credit profile at an acceptable cost.
Compare This Card
See how the Indigo Mastercard stacks up against other cards side by side — fees, bonuses, earn rates, and more.
Approval Insights
Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.
How to use this
- Use the approval summary as a signal, not a guarantee.
- Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
- Open the full approval page to see recent datapoints, profile bands, and notes.
Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.
Frequently Asked Questions
- What is the annual fee for the Indigo Mastercard?
- The Indigo Mastercard has an annual fee of $99 per year.
- Does the Indigo Mastercard charge foreign transaction fees?
- Yes, the Indigo Mastercard charges a 1% foreign transaction fee on purchases made outside the United States.
- How much are Indigo points worth?
- Indigo points are worth approximately 1.00¢ per point on average, with premium redemptions reaching up to 1.00¢ per point. Values based on industry estimates including The Points Guy and NerdWallet.
Ready to Get the Indigo Mastercard?
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