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The most common Indigo Credit Card complaints among user reviews on WalletHub are about the card’s high fees, the lack of rewards, and difficulty making payments. These complaints do have some merit, too.
The card’s annual fee is a whopping $175 in the first year, and $49 every year after that. The Indigo Credit Card also has a monthly fee starting the second year your account is open. When it comes to trouble making payments, that seems to only be the case for a minority of cardholders. However, those aren’t the only gripes that customers have with the card.
Common Indigo Credit Card Complaints
- High fees
- Trouble making payments
- Trouble getting fraudulent charges reversed
- Difficulty getting credit limit increases
- General dissatisfaction with customer service
- High APRs
- Delay in available credit being freed up after payments
Nevertheless, the Indigo Credit Card receives a user rating of 3.5 / 5 stars across more than 3,000 reviews on WalletHub, as of June, 2025. Our editors’ review gives the card a score of 2/5. The Consumer Financial Protection Bureau also has few complaints on their database about Concora Credit, the card’s servicer. The BBB gives the company a “B+” rating, and Concora has been accredited since 2014.
At the end of the day, Indigo Credit Card complaints should be taken with a grain of salt. The card has a generally favorable reputation based on user reviews. However, it’s important for you to read up on customer experiences and decide for yourself whether you think this card is worth getting before you apply.
Indigo® Mastercard® for Less than Perfect Credit
Indigo® Mastercard® for Less than Perfect Credit
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Zee's Restorations, Member
@Zeesrestoration
The problem besides the out ragous fees they charge is the hold your money for 14 bussiness days so my payment I make on the 3rd of the month and they take from my account on the 3rd wont show as available credit till after my next billing cycle begins on the 25th of the month.
The make millions in interest every month with this process exploiting the people in which they claim to be helping.
If a Politician ever wanted to make a real difference in predatory lending this company would be the one to make an example out of for sure.
They are nothing short of blood suckers that feed off of other peoples misfortunes.
doublee_doublen, Member
@doublee_doublen
I have gotten a number of unsolicited email offers for a credit card through them. I keep blocking and reporting spam, but they keep changing the email the send from.
People also ask
Is the Indigo Card credit card legit?
The Indigo Credit Card is a legit credit card, issued by Celtic Bank and serviced by Concora Credit, Inc. It is an unsecured credit card that can help you rebuild credit if you have bad credit, but it may be expensive to own. The Indigo® Mastercard® for Less than Perfect Credit reports to the three major credit bureaus on a monthly basis, has an annual fee of $175 for the first year ($49 after), and has a monthly fee after...
read full answer by Chip Lupo, Credit Card WriterWhat bank issues the Indigo credit card?
The Indigo® Mastercard® for Less than Perfect Credit is issued by Celtic Bank, an FDIC-insured bank founded in 2001 and headquartered in Salt Lake City, Utah. Other Celtic Bank credit cards include the Reflex® Platinum Mastercard® and Surge® Platinum Mastercard®.
The Indigo Credit Card is intended for applicants with bad credit. Its key features are an unsecured credit limit with no deposit needed and the opportunity to rebuild credit. The annual fee is $175 1st yr, $49 after.
The Indigo® Mastercard® for Less than Perfect Credit has a WalletHub editor’s rating of 2/5. If you...
read full answer by Chip Lupo, Credit Card WriterWhat is the Indigo Credit Card authorized user bonus?
The Indigo® Mastercard® for Less than Perfect Credit does not offer an authorized user bonus, currently. Some credit cards give a bonus for adding an authorized user, though this is a relatively rare feature and the Indigo Credit Card is not among the cards offering it.
Adding an authorized user to your Indigo Credit Card still has benefits, though. Most importantly, the authorized user is able to build credit, if they are age 18 or older.
read full answer by Sue Patterson, WalletHub AnalystDid we answer your question?
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