Hard credit inquiries are an aspect of your overall credit score and could negatively affect it temporarily. One unique aspect of the Indigo card is that you could pre-qualify for the card without needing a hard credit pull. (We'll get to other - and in most cases, better - possibilities soon.) Pre-qualifying for the Indigo card If you're anxious enough to tidy up your credit, this card could, therefore, be an option. Since it's reasonably easy to be approved, Indigo imposes these fees so that you're essentially paying to improve your credit without needing to put down a security deposit. Now, you might be thinking, 'A bare-bones card with no perks and one that comes with an annual fee?' There's a method behind the madness. $75 first year annual fee, $99 thereafter.It should be noted that the Indigo card is actually three separate cards, each with its own annual fee, depending on your finances. The Points Guy will not share or sell your email. I would like to subscribe to The Points Guy newsletters and special email promotions. All in all, this is a basic, no-frills unsecured credit card with the sole intention of increasing your credit score. The Indigo card has fairly high approval odds, and can even be a card candidate for someone that has had a previous bankruptcy. The Indigo Platinum Mastercard is meant for individuals who have bad to fair credit and are eager to improve it. The card details on this page have not been reviewed or provided by the card issuer. The information for the Indigo Platinum Mastercard has been collected independently by The Points Guy. New to The Points Guy? Want to learn more about credit card points and miles? Sign up for our daily newsletter. Let's dig into the details on the Indigo card to see if it could make sense for you. Even for those with poor credit, better options exist. The Indigo Platinum Mastercard, issued by Utah-based Celtic Bank, is one such card that can help in rebuilding credit - but it comes at a cost. However, it's prudent to be knowledgable about what all of those card options are. If you're looking to get on more solid ground when it comes to your financial standing, applying for certain credit cards to build or repair credit can make a lot of sense. This page includes information about the Discover it Secured that is not currently available on The Points Guy and may be out of date. Card Rating*: ⭐⭐ *Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

A potential annual fee and low credit limit hamper the usefulness of this card as a way to build creditworthiness. However, you'd likely be better served by other non-secured and secured card options. If you have poor credit and are in extreme need of a credit boost, the Indigo card is worth a look. Update: Some offers mentioned below are no longer available.

Pre qualified indigo master card