Is the Indigo® Mastercard® Worth the $99 Annual Fee?
Probably not for the rewards. Everyday earning (about $0 a year) still does not clear the $99 fee on this profile. The Indigo® Mastercard® is only worth it if you place real value on its perks, like lounge access or elite status, beyond their cash equivalent, or if you spend well above average.
Credits and benefits
The Indigo® Mastercard® does not lean on statement credits to justify its $99 fee, so the case for it rests on rewards, the welcome bonus, and any perks like transfer partners or travel protections. That makes the math simpler: the rewards have to clear the fee.
What you earn on spending
Credits are only half the story; the card also earns rewards every time you swipe. On $29,160 of annual spending, the Indigo® Mastercard® earns about $0 a year at a flat 1 cent per point. The figure below is based on a typical household budget. See the full category breakdown in our Indigo® Mastercard® review, or run your own numbers in the rewards calculator.
The break-even
Add it up. The Indigo® Mastercard® costs $99 a year. It leans on rewards, and everyday rewards add about $0. Even together that is $99 short of the fee, so the perks have to carry the rest.
Frequently asked questions
- Is the Indigo® Mastercard® worth the annual fee?
- Probably not for the rewards. Everyday earning (about $0 a year) still does not clear the $99 fee on this profile. The Indigo® Mastercard® is only worth it if you place real value on its perks, like lounge access or elite status, beyond their cash equivalent, or if you spend well above average.
- How do you offset the Indigo® Mastercard® annual fee?
- Through rewards and the welcome bonus. On a typical budget the card earns about $0 a year, so you need spending in its bonus categories to clear the fee.
- Is there a no-annual-fee alternative to the Indigo® Mastercard®?
- Yes. If you cannot clear the $99 fee, a no-fee card keeps every dollar of rewards as profit. See our ranked no-fee picks to compare.
