Indigo Card

Applying for the Indigo Credit Card

Let me explain the eligibility requirements for the Indigo Credit Card.

Eligibility for the Indigo Credit Card is based on various factors, including your credit history and ability to meet the minimum income requirements. Individuals with less than perfect credit are encouraged to apply, as the Indigo Mastercard is designed to accommodate a wide range of credit profiles.

How does the Indigo Mastercard help those with less than perfect credit?

The Indigo Mastercard provides an opportunity for individuals with less than-perfect credit to access credit, which can be instrumental in rebuilding their credit history. By managing the card responsibly, cardholders can demonstrate creditworthiness and improve their credit standing over time.

What is the process for applying for the Indigo Credit Card?

The application process for the Indigo Credit Card is straightforward and can often be completed online. Applicants are required to provide personal information, including their social security number and income details, for the card issuer to assess their eligibility.

  1. Input your name, email, phone number, date of birth, and Social Security number to receive a pre-qualification decision.
  2. Upon pre-qualification, proceed to use your invite code at

Understanding Invitation Codes

Invitation codes play a crucial role in the Indigo Mastercard application process. These codes represent personalized offers extended to potential applicants, often based on their credit history and financial standing. They streamline the application process, unlocking specific benefits or tailored terms for the recipient. Serving as a direct pathway, invitation codes expedite the application, making the process smoother and more personalized for eligible candidates.

Benefits of Pre-Qualification

Pre-qualification is a valuable step for individuals without an invitation code. This process allows prospective applicants to assess their eligibility for the Indigo card without impacting their credit score. By providing basic personal information, individuals can receive a preliminary decision regarding their qualification. This step empowers applicants with insight into the likelihood of approval before formally applying, providing valuable information about their potential cardholder status.

After Approval: Activating and Managing Your Indigo Card

Upon successful approval and receiving the Indigo credit card by mail, the activation process is essential. Activation can typically be completed online or through a designated phone number provided with the card. After activation, registering for online access is recommended. The online portal offers comprehensive account management tools, including transaction monitoring, setting up autopay, reviewing purchase history, and accessing priority Indigo cardholder support.

Tips for Responsible Card Usage

Responsible credit card usage is vital for maintaining a healthy financial profile. Ensure timely payments by setting up reminders or automatic payments to avoid late fees and negative impacts on your credit score. Keep credit utilization low by using only a portion of your available credit, ideally below 30%. Regularly review statements to track spending and promptly detect any unauthorized transactions.


Applying for the Indigo Mastercard is a straightforward process, whether or not you receive a targeted offer with an invite code. If you’re interested in becoming a cardholder, follow these simple steps to check if you qualify.

After approval for the Indigo credit card, anticipate its arrival by mail, typically taking 7-14 business days. Upon receipt, activate your card and register for online access to manage your new card. The online portal provides comprehensive account activity monitoring, options for making payments, autopay or bill pay setup, purchasing power oversight, priority Indigo card support, and more!