Indigo Mastercard How to Apply How to apply for the Indigo Mastercard If the Indigo Mastercard seems like an option that fits what you’re looking for, the next step is to understand how the application works and review the card’s current terms before submitting your information. The application is completed directly with Indigo Mastercard. Sofá Cultural does not process applications or make credit approval decisions. Before you apply Credit cards designed for consumers who are building or rebuilding credit can have higher costs than some traditional credit cards. For one of the currently published Indigo Mastercard offers, the official terms show: Purchase APR: 35.9% Interest may apply when a balance is carried from one billing cycle to another. Annual fee: $75 for the first year The published annual fee increases to $99 in subsequent years for this particular offer. Foreign transaction fee: 1% A fee may apply to transactions processed outside the United States. Additional fees may apply Late payments, returned payments and certain other account events may result in additional charges. Important: the exact rates, fees and conditions available to you may differ depending on the offer you receive. Always review the official terms shown during the application before accepting the card. Who can apply? According to Indigo, applicants generally need to meet basic requirements that include: Being at least 18 years old Having a valid Social Security Number Having a physical address in the United States Meeting the issuer’s credit qualification and identity verification criteria Approval is not guaranteed. Indigo may evaluate factors including your income, debt and credit history when reviewing an application. How does the application work? 1. Visit the official Indigo website The application is completed directly through Indigo’s secure website. 2. Provide your personal information The application may request information such as your name, address, email, phone number, date of birth and Social Security Number. 3. Provide financial information You may also be asked to provide information about your monthly income and expenses so the issuer can evaluate your application. 4. Review the card terms carefully Before submitting the application, check the APR, annual fee, transaction fees, credit terms and any additional disclosures associated with the offer presented to you. 5. Submit your application Once your information has been entered and you’ve reviewed the terms, you can submit the application directly to Indigo for evaluation. What happens after you apply? Indigo will evaluate your application according to its credit and identity verification criteria. According to Indigo, if your application is not approved, a hard inquiry will not appear on your credit report. If your application is approved, a hard inquiry may be reflected on your credit report and may affect your credit score. Ready to review the official offer? Before applying, take a final look at the current terms provided directly by Indigo to make sure the card makes sense for your financial situation. Visit the Official Website Sofá Cultural provides informational content about financial products and services and is not the issuer of the Indigo Mastercard. The Indigo Mastercard is issued by Celtic Bank. We do not perform credit analysis, approve applications or guarantee credit limits. Rates, fees, approval and all other terms are determined by the card issuer and may change. Always review the official card terms before applying.
