What Is the Highest Credit Limit for the Indigo Mastercard?

The highest clearly advertised starting credit limit we found for the Indigo Mastercard is $1,000, although there are also reports of some cardholders receiving higher limits. The two Indigo credit-limit offers currently available through our site are a $700 credit limit and a $1,000 credit limit. Both offers state that the advertised credit limit is guaranteed if you are approved.

That last part is important. A $700 or $1,000 credit limit being guaranteed if approved does not mean that everyone who applies will be approved. Indigo says there is no guarantee of approval and that applications are evaluated using additional credit qualification criteria, including income, debt and identity verification.

If you are looking for an Indigo Mastercard based specifically on the amount of credit you could receive, these are the two offers to look at:

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Indigo Mastercard for Less than Perfect Credit: $700 Credit Limit

The Indigo^® Mastercard^® for Less than Perfect Credit offers a $700 credit limit that is guaranteed if you are approved. This is an unsecured credit card, so there is no security deposit required to establish the credit line.

➤ Check for an Indigo Mastercard Offer

The important thing to understand is that the $700 credit limit is not the same thing as $700 of money you will necessarily have available to spend. The account's fees can be charged against the credit line, reducing the amount of available credit when the account is opened.

For this offer, the first-year annual fee is $175. If that fee is deducted from a $700 starting credit limit, approximately $525 would initially remain available for purchases.

If you want to know more about the Indigo Mastercard^® for Less than Perfect Credit, it offers a $700 credit limit if approved. See our review below for more information.

➤ See the Indigo^® Mastercard^® for Less than Perfect Credit review

Indigo Mastercard: $1,000 Credit Limit

The Indigo^® Mastercard^® $1,000 Credit Limit offer provides a $1,000 credit limit if you are approved. Like the $700 offer, this is an unsecured card and does not require a security deposit.

➤ Check for an Indigo Mastercard Offer

The $1,000 offer can be a more useful option for someone specifically looking for a larger starting credit line. However, you still have to be approved for the account before the $1,000 credit-limit guarantee applies.

You should also look at the fees associated with the particular offer because fees can reduce the amount of credit you actually have available after the account is opened. The advertised credit limit and your initial available credit are not necessarily the same amount.

If you want to know more about the Indigo^® Mastercard^® $1,000 Credit Limit, it offers a $1,000 credit limit if approved. See our review below for more information.

➤ See the Indigo^® Mastercard^® $1,000 Credit Limit review

What About the Reported $2,000 Indigo Credit Limit?

There are reports of some Indigo cardholders receiving credit limits as high as $2,000, but $2,000 is not a starting credit limit that consumers should assume they will receive.

WalletHub currently says that the highest Indigo credit limit is $2,000 “according to user reports” and says reported limits can range from $700 to $2,000. That statement is based on reports from cardholders rather than a clearly advertised $2,000 Indigo offer.

We found clearly documented $700 and $1,000 Indigo offers, but we did not find comparable official documentation establishing $2,000 as a standard starting offer available to applicants. For that reason, someone applying for an Indigo Mastercard should not go into the application expecting a $2,000 credit limit.

A particular cardholder may have received a higher limit for reasons specific to that account, or may have received a credit-line increase after opening the account. The existence of an individual report does not mean that the same limit will be offered to a new applicant.

What Credit Limit Should You Realistically Expect From Indigo?

If you are applying for one of the currently documented Indigo offers, the realistic starting limits to look at are $700 and $1,000. Which offer you receive depends on the particular offer and whether you are approved.

The $2,000 figure reported online should be viewed as a possible individual outcome rather than the amount you should expect when you first apply. The clearly advertised offers give you a much better indication of the starting credit limits available to applicants.

It is also important to remember that your credit limit is not necessarily the same as your initial available credit. Fees charged when the account is opened can reduce the amount available for purchases.