Key takeaways
- Initial Indigo Card limits typically range from $300 to $1,000.
- Keeping balances under 30% of the limit helps your credit score.
- Several months of on-time payments and lower balances can support a limit increase request.
- Ask customer service whether your account is eligible for a review.
What is the starting Indigo Card credit limit?
| Item | Typical range |
|---|---|
| Initial credit limit | $300 – $1,000 |
| Annual fee | $0 – $175 |
| Purchase APR | About 24.9% – 35.9% |
Your exact limit is set at approval based on your credit profile and income. If your offer includes an annual fee, it may be charged to the card and reduce your available credit at first.
Why your credit limit matters
Utilization is calculated as balance ÷ limit. On a $500 limit, a $400 balance is 80% utilization — high enough to weigh on your score — while $100 is only 20%.
| Limit | Stay under 30% | Ideal (under 10%) |
|---|---|---|
| $300 | $90 | $30 |
| $500 | $150 | $50 |
| $1,000 | $300 | $100 |
How to increase your Indigo Card credit limit
- Make every payment on time for at least six months.
- Keep your balance low and pay more than the minimum.
- Update your income in your online account if it has gone up.
- Call customer service to ask whether a credit line review is available.
- Avoid opening several new accounts at once.
Tip: Even without a higher limit, paying your balance down before the statement closes lowers the utilization reported to the bureaus.
Frequently asked questions
What is the Indigo Card credit limit?
Starting limits typically range from $300 to $1,000, depending on your credit profile.
Does the Indigo Card offer credit limit increases?
Increases depend on your account history and the issuer's review. Ask customer service whether your account is eligible.
Does a higher credit limit help my credit score?
A higher limit can lower your utilization ratio if your balance stays the same, which generally helps your score.
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.