Indigo® Mastercard® Review
Overview
The Indigo Mastercard is a close sibling of the Milestone card, run by the same servicer and aimed at the same shopper: someone with poor or limited credit who wants an unsecured card without a deposit. Like Milestone, it charges for the privilege and earns nothing.
Depending on your offer, the annual fee ranges from $0 to about $175, and some versions add a monthly fee later. Even the $0 version is only okay; the fee-charging versions are worth avoiding.
Think twice if: your offer carries a $75-plus annual fee or a monthly fee, since a no-fee secured card beats that.
Our 1.5 out of 5 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Rewards: how it earns
There are no rewards. It is strictly a credit-access card.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 0x | Base rate |
| Groceries | 0x | Base rate |
| Gas | 0x | Base rate |
| Travel | 0x | Base rate |
| Streaming | 0x | Base rate |
| Everything else | 0x | Everything else |
The fine print on rates: A sibling of the Milestone card, run by the same servicer. Annual fee varies by offer (from $0 up to about $175), sometimes with a monthly fee added later, a ~35.9% APR, and no rewards. A no-fee secured card is the better path.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Pros and cons
- No security deposit required
- Some applicants get a $0 annual fee
- Fee-charging versions run up to about $175/year, sometimes with a monthly fee
- No rewards and about 35.9% APR
- A free secured card is a better path to rebuilding
The welcome bonus
No welcome bonus.
Is the annual fee worth it?
The fee depends entirely on the offer you receive, anywhere from $0 to about $175 a year, sometimes with a monthly fee tacked on after year one, at about 35.9% APR. If you are not looking at the $0 version, the value falls apart fast.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- No rewards of any kind
- Annual fee varies from $0 up to about $175 depending on your offer
- Some offers tack on a monthly fee after the first year
- About 35.9% APR
- Small unsecured credit limit
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you happen to be targeted for the no-fee version and cannot do a deposit, it is passable. Otherwise, a no-fee secured card, Discover it Secured or Capital One Platinum Secured, is the better, cheaper way to rebuild.
Check the exact fee on your offer before you apply; that number decides whether this card is merely mediocre or genuinely not worth it.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of July 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
