A second chance to build your credit—with quick pre-qualification and no security deposit required.
The Indigo Mastercard is designed for individuals who are working to rebuild or establish their credit. With fast pre-qualification that doesn’t affect your credit score and no security deposit required, it provides a real opportunity to re-enter the credit system—even after past financial challenges.
This unsecured card is accepted anywhere Mastercard is, offering the convenience of a traditional credit card with fewer upfront requirements. Whether you’re recovering from a financial setback or starting fresh, the Indigo Mastercard can serve as a responsible step toward future financial health.
Indigo Mastercard
Credit Building Zero Liability protectionKey Benefits of the Indigo Mastercard
1. Designed for Less-Than-Perfect Credit
The Indigo Mastercard is tailored for people with fair, limited, or poor credit histories, including those with previous bankruptcies. It’s one of the few unsecured cards that’s accessible to those who may not qualify elsewhere, offering a way back into responsible credit usage.
2. No Security Deposit Required
Unlike secured credit cards, the Indigo Mastercard doesn’t require an upfront cash deposit. This makes it more accessible for individuals who don’t have the extra funds to lock into a collateral account, allowing them to start using credit without major financial strain.
3. Pre-Qualification with No Impact on Credit Score
Potential applicants can pre-qualify online in minutes without affecting their credit score. This lets users check their chances of approval before submitting a formal application, helping them avoid unnecessary hard inquiries.
4. Nationwide Mastercard Acceptance
As a full-fledged Mastercard, the Indigo card is accepted at millions of locations in the U.S. and worldwide. Cardholders can shop in-store or online, pay bills, and book travel with the confidence and flexibility of a global payment network.
5. Account Reporting to All Three Major Credit Bureaus
The Indigo Mastercard reports monthly to Experian, Equifax, and TransUnion, giving users the chance to build or rebuild their credit over time with responsible use. Regular reporting ensures that positive behaviour—like on-time payments—gets reflected on credit reports.
6. Easy-to-Use Mobile Account Tools
Cardholders can manage their account online or via mobile browser with a secure dashboard that lets them check balances, make payments, and track transactions. These simple tools help users stay on top of their financial activity in real-time.
7. $0 Fraud Liability Protection
In the event of unauthorized use, cardholders are covered by $0 fraud liability, offering peace of mind and protection. This standard Mastercard benefit ensures that users aren’t held responsible for charges they didn’t make.
Qualification Requirements
While eligibility criteria may vary, most applicants should meet the following basic requirements:
- 18 years or older with a U.S. address
- Valid Social Security Number
- Stable monthly income
- Fair to poor credit score (typically 550–660)
- No recent credit card charge-offs or unresolved bankruptcies
The Indigo Mastercard is one of the few unsecured cards that may still approve applicants with previous financial issues, although a hard inquiry will occur after pre-qualification if you choose to proceed.
How to Apply for the Indigo Mastercard
Applying is straightforward and can be done entirely online:
- Visit the Indigo Card Official Website
- Click “Pre-Qualify Now”
- Fill in Basic Information (Name, SSN, Income, Address)
- Review Pre-Qualification Results (No Credit Score Impact)
- Proceed with Full Application if Pre-Qualified
- Receive Final Decision—Often Within Seconds
Once approved, the card is mailed out and ready to use after activation.
Frequently Asked Questions (FAQs)
1. Can I apply for the Indigo Mastercard with bad credit?
Yes. The Indigo Mastercard is specifically designed for people with less-than-perfect credit, including those with limited or poor credit histories.
2. Do I need to pay a deposit?
No. Unlike secured cards, this is an unsecured credit card, so no deposit is required to open the account.
3. Will this card help me build credit?
Yes. Monthly account activity is reported to all three major credit bureaus, which can help build or improve your credit over time.
4. Can I use this card internationally?
Yes. Since it’s a Mastercard, it’s accepted globally—though foreign transaction fees may apply.
5. What happens if I’m not approved after pre-qualification?
Pre-qualification doesn’t guarantee approval, but it helps filter eligible applicants before a hard inquiry. If not approved, you can try again after improving your credit.
