Indigo® Mastercard® Apply
To apply for the Indigo® Mastercard®> for Less than Perfect Credit, you must do so online through the official Indigo® website. The card is designed for people with less-than-perfect credit, so a credit score of 500 or higher gives you good approval odds.
Eligibility requirements
To be approved for the card, you must meet the following criteria:
- Be at least 18 years old.
- Have a valid Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Have a physical U.S. street address (P.O. boxes are not accepted).
- Demonstrate enough monthly income to pay your bills.
- You must not have had an Indigo Mastercard account that was charged off due to delinquency.
How to apply online
- Visit the website: Go directly to the Indigo® website.
- Fill out the form: Complete the online form with your personal and financial information, including:
- Name, address, email, and phone number
- Date of birth
- Social Security number
- Total monthly income
- Total monthly expenses
- Prequalify with confidence: When you begin the application, the issuer (Concora Credit, Inc.) will perform a soft credit check. This process determines if you are pre-qualified without impacting your credit score.
- Confirm the offer: If you are pre-qualified, you will receive an offer with your potential annual fee and other terms. At this point, you will decide whether to accept the offer and submit the full application.
- Submit the full application: If you proceed, Concora Credit will perform a hard credit inquiry, which may slightly lower your credit score.
- Receive your decision: You will be notified of your application status after submitting. If approved, your card will be mailed to you.
What to expect if approved
- Annual fee: Depending on your creditworthiness, you may be assigned an annual fee. This fee will be charged to your account as soon as it's opened and will reduce your initial available credit.
- Reporting to credit bureaus: The Indigo® Mastercard® reports your payment history to all three major credit bureaus (Experian, Equifax, and TransUnion). Timely payments are crucial for building or rebuilding your credit.
- Credit limit: The Indigo® Mastercard® for Less than Perfect Credit comes with a relatively low credit limit, with a minimum of $700. It's designed for credit building, so it is best to only charge what you can pay back each month.
Indigo® Mastercard® for Less than Perfect Credit
- Get the credit limit you deserve—$700 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
- CLICK HERE TO APPLY ONLINE
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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