Indigo Mastercard (issued by Celtic Bank)

The Indigo Mastercard is an unsecured credit card issued by Celtic Bank and serviced by Genesis FS Card Services, marketed to consumers with poor or damaged credit histories. As an unsecured card, it does not require a security deposit, making it accessible to people who cannot set aside funds upfront but still want to work toward rebuilding their credit.

The card is intended for people who have had financial difficulties such as late payments, collections, or bankruptcies, and who want a revolving credit account to demonstrate responsible behavior going forward. Celtic Bank reports account activity to the major credit bureaus each month, so consistent on-time payments and keeping the balance well below the credit limit can contribute to improving your credit score over time.

Because the Indigo Mastercard targets higher-risk borrowers, the costs are significantly higher than those on cards available to consumers with good credit. Annual fees apply, and the annual percentage rate is substantially above the national average for credit cards. Some card versions also charge a one-time program fee at account opening, which reduces the available credit limit immediately.

Before applying, read the full cardholder agreement and fee disclosure carefully. Calculate the total fees you will pay in the first year relative to the credit limit offered, and compare this against secured card options from credit unions or community banks. Secured cards require a deposit but often carry lower fees and can offer a more cost-effective credit-building experience.

If you open an Indigo Mastercard, pay on time every month and keep spending well below your limit. Paying the full balance each month avoids interest at the elevated APR. Plan to upgrade to a lower-cost card once your credit profile improves.