Key takeaways
- Annual fees typically range from $0 to $175, depending on the offer.
- Purchase APR is roughly 24.9% to 35.9% variable.
- Paying the full statement balance each month avoids purchase interest.
- Check your cardholder agreement for late, returned payment, and cash advance fees.
Indigo Card costs at a glance
| Cost | Typical range |
|---|---|
| Annual fee | $0 – $175 |
| Purchase APR | About 24.9% – 35.9% variable |
| Other fees | Late, returned payment, cash advance — see your agreement |
How the annual fee works
If your offer includes an annual fee, it's usually billed to the card. On a $300 limit, a $75 fee would leave $225 of available credit at first — and the fee counts toward your utilization until you pay it.
How much interest would you pay?
Approximate interest for one month on a carried balance (balance × APR ÷ 12):
| Balance | At 24.9% APR | At 35.9% APR |
|---|---|---|
| $300 | ≈ $6.23 | ≈ $8.98 |
| $500 | ≈ $10.38 | ≈ $14.96 |
| $1,000 | ≈ $20.75 | ≈ $29.92 |
Tip: Use our payoff calculator to see how long a balance takes to clear at different monthly payments.
How to keep your Indigo Card cost low
- Pay the full statement balance whenever possible.
- Set up autopay to avoid late fees.
- Avoid cash advances — they usually cost more than purchases.
- If your offer has a high annual fee, compare other offers before accepting.
Frequently asked questions
Does the Indigo Card have an annual fee?
It depends on the offer. Annual fees typically range from $0 to $175.
What is the Indigo Card APR?
The purchase APR is variable, roughly 24.9% to 35.9%, depending on your offer.
How do I avoid interest on the Indigo Card?
Pay your full statement balance by the due date each month. Interest generally applies only to balances you carry.
Indigo Card USA is an independent guide and is not the issuer of the Indigo® Mastercard®, which is issued by Celtic Bank and serviced by Concora Credit. Card terms can change — confirm current rates and fees in your cardholder agreement or at indigocard.com.