Key takeaways
- The Indigo® Mastercard® is issued by Celtic Bank, an FDIC-insured bank in Utah.
- It's serviced by Concora Credit, formerly Genesis FS Card Services.
- It's designed for fair or poor credit, so costs are higher than prime cards.
- Only use myindigocard.com and indigocard.com — watch for look-alike scam sites.
Who is behind the Indigo Card?
| Role | Company |
|---|---|
| Issuing bank | Celtic Bank (Utah, FDIC-insured) |
| Account servicer | Concora Credit |
| Payment network | Mastercard |
Is the Indigo Card a good card?
It can be useful if you have limited or damaged credit and want an unsecured card without a deposit. The trade-offs are a modest credit limit, a high APR, and an annual fee on some offers.
Reasons people choose it
- No security deposit required
- Accepted wherever Mastercard is
- A path to building on-time payment history
Reasons to be cautious
- APR can be high, so carrying a balance is expensive
- Annual fee on some offers
- Low starting limits make utilization easy to push up
How to spot Indigo Card scams
Watch out: Scammers use well-known card names in texts, calls, and fake websites. A real issuer won't ask you to pay an upfront fee to get approved or ask for your full password by phone.
- Type indigocard.com or myindigocard.com yourself.
- Never pay a “processing fee” to receive a card.
- Hang up and call the number on the back of your card if a caller asks for login details.
Frequently asked questions
Is the Indigo Card a real credit card?
Yes. The Indigo® Mastercard® is issued by Celtic Bank and serviced by Concora Credit.
Is Indigo Card USA the same as the Indigo Card issuer?
No. Indigo Card USA is an independent guide. The card is issued by Celtic Bank and serviced by Concora Credit.
Is the Indigo Card worth it?
It can be worth it for building credit if you pay in full each month and the annual fee is low or zero. If you qualify for a card with no annual fee and a lower APR, that's usually the better choice.
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.