The Indigo® Mastercard® offers an opportunity to build credit but is marred by a confusing fee structure and conditional rewards program. Potential cardholders face a non-transparent annual fee that depends on credit history, with charges up to $99 after the first year. This fee is deducted from the initial credit line, reducing available credit until paid. The card's rewards program may seem appealing with up to 1.5% cash back, but it's primarily beneficial to those with higher credit scores. Additionally, there's a 1% foreign transaction fee on international purchases. In comparison, many secured credit cards offer more straightforward terms, no annual fees, and equally competitive or better rewards without the ambiguity.
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