Indigo Mastercard
Written by Kenji NiwaEdited by Kenji NiwaOn Concora Credit Inc.'s site
5,129 Firstcard clicks in the last 12 months
The Indigo Mastercard is an unsecured card from Celtic Bank for people with less than perfect credit. The offer we checked comes with a $700 limit, a 35.9% APR and fees that start before you use the card. Payments are reported to all three credit bureaus.
On Concora Credit Inc.'s site
$700
Credit limit
$175 first year
Annual fee
35.9%
APR
The details
- Annual fee
- $175 first year, then $49
- Monthly fee
- $0 first year, then $12.50/mo
- APR
- 35.9%
- Credit limit
- $700
- Security deposit
- None
- Late fee
- Up to $41
- Foreign transaction fee
- 1% of each transaction
- Cash advance fee
- $5 or 5% (max $100)
- Credit check
- Yes
- Bureaus reported
- Equifax, Experian and TransUnion (all 3)
- Issuer bank
- Celtic Bank
Facts come from the issuer's own terms, checked October 12, 2026. Confirm them on the issuer's site before you apply.
Pros & cons
Pros
- No security deposit. Your money stays in your pocket.
- If you are declined, no hard inquiry shows up on your credit report.
- Monthly payments are reported to all three major credit bureaus.
Cons
- The offer we checked charges a $175 annual fee the first year, then $49. That fee leaves about $525 of a $700 limit to spend at first.
- After year one, a $12.50 monthly fee kicks in. That is $150 more each year.
- The 35.9% APR is steep. A late payment or going over your limit can cost up to $41 each time.
Compare Indigo Mastercard to other no-deposit cards
- Credit limit
- $700
- Yearly fee
- $175 first year
- APR
- 35.9%
- Credit limit
- —
- Yearly fee
- $0
- APR
- 29.24% variable
- Credit limit
- $300 to $3,000
- Yearly fee
- $0 to $125
- APR
- 29.99% to 35.99% fixed
- Credit limit
- Up to $3,000 to start
- Yearly fee
- $0 to $59
- APR
- 19.99%–33.99%
Similar cards are picked automatically: same list, ranked by Firstcard editors' rating, whether or not Firstcard has a deal with them. Clicks are Firstcard members sent to each card in the last 12 months, with suspected bot traffic excluded.
A warning from Firstcard
- High APR. 35.9% is well above the U.S. average of 22.15% for cards that charge interest (Federal Reserve, Q2 2026). If you can't pay in full every month, a balance gets expensive fast.
- The annual fee makes it cost more than the APR shows. A $325 fee on a $700 limit is 46% of your line. Add it to the 35.9% APR and you pay about 82% a year on a $700 balance.
- Low limit, so watch your credit use. On a $700 limit, a $210 purchase already uses 30% of your line, and high credit use can lower your score. Pay right after you buy, before your statement closes.
U.S. average APR on accounts assessed interest: Federal Reserve G.19, Q2 2026.
How credit use affects your score: myFICO on amounts owed.
How Firstcard works
Firstcard exists to make finance simple and accessible, so anyone can choose the right financial product with confidence. That means showing every fee and every catch upfront, and holding ourselves to the same standard. Here is how Firstcard works, and how we make money.
How we rate. Our editors' rating for a credit card weighs three things. Can you get approved with no deposit and no credit history? What does the card really cost to hold? And does it report to the credit bureaus? Ratings run 1 to 5 in tenths and compare products only within their own category, so a 4.5-star cash advance app is not “better” than a 4.0-star credit builder: they do different jobs. Treat the rating as one input, not the decision. See how we rate financial products.
How we make money. Firstcard may earn a commission when you click a link on this page, get approved, or open an account. That is what keeps our comparisons free to use. See how we make money and our current partners.
Ratings versus placement. Star ratings, member reviews, and our cost math are never influenced by money, and no partner sees a review before it publishes. Where a product appears is a separate question: featured spots and default ordering can reflect partner compensation and what members click and choose. That is why the rating and the real numbers travel with every product, wherever it sits. See our Advertiser Disclosure and Editorial Guidelines.
Terms change, so check before you apply. These terms come from the providers, not from us, so we cannot guarantee they are current or complete, and anything a member reports describes their own account rather than the offer you will be given. Always confirm the fees and terms on the provider's own site before you apply. If you spot something wrong here, email support@firstcard.app and we will fix it.
