Indigo Mastercard
Indigo · Mastercard
A Mastercard built to rebuild credit, with soft-pull prequalification, no security deposit and accessibility even after bankruptcy. The drawback is cost: fees up to $175 in the first year, a fixed 35.9% APR and a $700 starting credit limit.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Mastercard |
|---|---|
| Card type | Revolving credit |
| Backing | Unsecured |
| APR | 35.9% (fixed) |
| Credit limit | €700–€2,000 |
| Issuing bank | Celtic Bank |
| Reports to credit bureaus | EQUIFAX, TRANSUNION, EXPERIAN |
| Issuance fee | Free |
| Annual fee | €75/year |
| Free ATM limit | Not disclosed |
| ATM withdrawal | Free |
| FX markup | 1% |
| Cashback | Not disclosed |
| On-chain settlement | No |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | US · 1+ countries |
| Estimated net annual cost | €75/year |
| Regulator | FDIC |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | Industrial bank charter |
Plans & pricing
Strengths
- Soft-pull prequalification; zero security deposit; accessible after bankruptcy.
- No notable sovereignty advantage documented.
Weaknesses
- ⚠️ Fee up to $175 year 1; fixed 35.9% APR; 1% FX markup; $700 starting credit limit.
- Traditional credit card: not self-custody — the account requires full KYC, a credit check, and can be closed or reported to credit bureaus by the issuer.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Among the lowest verdicts in the category because the costs are predatory: fees up to $175 in year one, a fixed 35.9% APR and a $700 starting limit that eats much of the available credit. The soft-pull prequalification, lack of deposit and post-bankruptcy accessibility help those shut out elsewhere, but not enough to lift the score above tier C.
Irrelevant on this lens: it is a US consumer credit card on the Mastercard network, full-KYC and US-only, with no self-custody or on-chain trait. It holds no user funds (it is a revolving credit line, not a wallet or e-money) and carries no deposit guarantee. What the consumer lens penalises as cost is not even assessed here, because the privacy and independence fundamentals this view rewards are simply absent.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Indigo Mastercard, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
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App Store ↗
3.0/5
1,402 reviews
"Concora Credit" app (Concora Credit Inc., formerly Genesis FS Card Services): the servicer's single app for Indigo, Milestone, Destiny and other cards, not an Indigo-only app. Exact figures from the iTunes Search API. Trustpilot not included: the page blocks automated reading.
Weighted average across 1 public review platform (1,402 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Indigo Mastercard a safe card?
Indigo Mastercard is a traditional credit card on the Mastercard network, issued by Celtic Bank (serviced by Concora Credit). It is not an e-money product or a wallet: it holds no user funds but extends a revolving credit line. It is governed by US consumer-credit law (the CARD Act) and account activity is reported to the credit bureaus under the FCRA. There is no FDIC insurance: the FDIC insures deposits, not a credit line.
How much does Indigo Mastercard cost?
The annual fee varies by approval tier: from $0 up to $175 the first year (typically $75 first year, $99 after; some tiers add $12.50/month from year two). Issuance is free. The FX markup is 1%. See the tier table for full conditions.
Does Indigo Mastercard offer cashback?
Indigo Mastercard does not offer crypto cashback.
Is Indigo Mastercard available in Italy?
No, Indigo Mastercard is not currently available in Italy.
Is Indigo Mastercard custodial or self-custody?
The custodial vs self-custody distinction belongs to crypto products and does not apply here: Indigo Mastercard is a US consumer credit card, not an on-chain wallet. Celtic Bank extends a revolving credit line; the user does not deposit or 'load' funds. The only relevant relationship is the debt owed to the issuer, with an APR, an annual fee and possible account closure by the issuer.
Sources
- Official service page Plans & pricing · Regulatory framework Data verified on Jun 13, 2026
- files.consumerfinance.gov FX markup · Annual card fee · Issuer bank · Apr · +3 Data verified on Jul 11, 2026
- wallethub.com Annual cost · Variante credit builder.credit limit eur min · Variante credit builder.credit limit eur max · ATM fees · +13 Data verified on Jul 11, 2026
- about.concoracredit.com Legal name · Company type · Corporate site · Founders · +1 Data verified on Jun 14, 2026
Show 1 more source
- firstcard.app Variante credit builder.collaterale crypto Data verified on Jun 13, 2026