Indigo Mastercard Cardholder Agreement

Celtic Bank's filed agreement for Indigo Mastercard Cardholder Agreement 672 discloses a 35.9% purchase APR. That purchase rate ranks near the 91st percentile across this corpus of 4,587 filings.

What the document actually states

Indigo Mastercard Cardholder Agreement 672 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. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

Pricing the purchase rate

Set beside the rest of the index, the purchase APR of 35.9% lands at the 91st percentile; it sits in the expensive end of the corpus.

The arithmetic of revolving

The purchase rate turns a $2,500 revolving balance into roughly $1,079 of annual interest.

On a median-priced agreement from this index (21.99%) the same $2,500 would run about $615 a year, so this card costs in the region of $464 more annually for the identical balance.

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.

What a missed payment costs

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

Where the fees are

Cash advances carry a cash advance fee of $5 or 5% of the advance, whichever is greater. $100 is the crossover point where the percentage overtakes the $5 minimum.

Spending abroad costs an extra 1% — about $30 on $3,000 of purchases, independent of interest.

Paying in full

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.

How it sits in the issuer's own range

92 separate Celtic Bank filings appear in the corpus. Across that lineup purchase rates span 22.49% to 35.9%; this filing's 35.9% sits above 25 of the comparable ones.

What is outside the disclosure

This page cannot tell you 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.

The document itself

This summary stands or falls on the linked PDF — 13 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

35.9% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index.