Indigo Mastercard Cardholder Agreement

Celtic Bank's filed agreement for Indigo Mastercard Cardholder Agreement 664 discloses a 35.9% purchase APR. Against the 4,587 filings on this site, that rate lands around the 91st percentile.

What the agreement puts on the record

Indigo Mastercard Cardholder Agreement 664 is one of the agreements Celtic Bank has on file with the CFPB. It is issued on the Mastercard network and the filing runs 13 pages.

On the record here: a purchase rate, a late payment maximum, a foreign transaction fee and a grace period. A cash advance rate, a balance transfer rate and a penalty rate are not stated.

Pricing the purchase rate

At 35.9%, the purchase APR falls at roughly the 91st percentile of the 2,280 filings indexed here, which is costlier than the large majority of filings here.

Translating the rate into money

The purchase rate turns a $2,000 revolving balance into roughly $863 of annual interest.

On a median-priced agreement from this index (21.99%) the same $2,000 would run about $492 a year, so this card costs in the region of $372 more annually for the identical balance.

Per statement cycle that is on the order of $59.86 on $2,000, which is the number that actually shows up on a bill.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Fees, and what triggers them

Foreign transactions attract 1%. On $3,000 of overseas spending that is $30, charged on top of whatever exchange rate applies.

What a missed payment costs

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

The grace period

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

Where interest applies at all, the filing bills at least $1. On a tiny balance that floor can dwarf the rate itself.

Inside Celtic Bank's filed lineup

Celtic Bank has 92 agreements indexed on this site. Their disclosed purchase rates run from 22.49% to 35.9%, and this one at 35.9% is more expensive than 25 of them.

What is outside the disclosure

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and penalty pricing, because the filing's disclosure table as read does not contain them.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Go to the source

Everything here is a reading of the filed agreement, 13 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

The defining fact about this filing is the purchase rate: at 35.9% it is in the expensive band of this corpus, and that cost only materialises for someone who revolves a balance.