Indigo® Platinum Mastercard®

For People with
Fair Credit



The Indigo Platinum Mastercard is designed for people with fair or bad credit who are looking to rebuild their credit and improve their credit scores. We do not recommend this card because there are much better options. Read our review here.

You can check to see if you prequalify for the Indigo card for free, without hurting your credit scores at all. Just click the “Apply Now” button to the left to check your pre-qualification status. If you’re not approved for this card, you may be offered a different card instead.

Customer Service

Their customer service phone number is 1-866-946-9545 and phone support is available from 6AM–6PM Pacific time.

When you’ll call, you will be asked for your card number. If you don’t have a card, wait on the line. The automated system will ask three or more times, then you’ll be transferred to a person.

Card Quick Facts

Card Quick Facts

  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee See Terms
Additional Cards Annual Fee -
Regular Purchase APR 24.9% Fixed
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology None
Minimum Credit Limit $300
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 24.9% Fixed
Balance Transfer Fee See Terms
Cash Advances

Cash Advances

Cash Advance APR See Terms
Cash Advance Fee See Terms

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Identity Theft Resolution Service

    Provides help recovering if you become a victim of identity theft.

  • Zero Fraud Liability

    You won’t be held liable for unauthorized activity on your credit card (contact customer service immediately).

  • Price Protection

    See your Guide to Benefits for details.

  • Extended Warranty Protection

    See your Guide to Benefits for details.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 84 reviews
by Danielle Oliveri

I would give zero stars. They have held on to my money without crediting to my availability 2x now. The first payment got reversed by my bank but I replaced it with another payment and they have put a 40 day hold on my using the card. I’m going to the BBB to file a complaint. Go for CapitolOne card instead. I’ve never had a problem with them EVER!!

by Robert
Very Bad Company

Don't bother. DO NOT SIGN UP FOR THIS AGGRAVATION!!!! This company is a mess. After approval I tried to register the account online and the "information was incorrect." This was after I used the card. I called and was told my birth date was wrong on file and a fax was requested. I requested to email but man said they will only take a fax. Today after a week I tried to login and could not. I called and tried to enter the account number 3X - no good. Got sent to a real person and lady explained that the fax was not clear. The drivers license was clear on the date of birth but my photo was not clear. This is what I had predicted at first. I just wanted to cancel and to pay them but they insisted that I owe them the $75 fee. I refused but after 3 people they offered a $25 reduction of the fee and allowed me to cancel. DO NOT DEAL WITH THESE PEOPLE!!!!!!

by Daniel
The worst card to own

Customer service as well the manager on duty specified that you can not use this card to make purchases over seas, like for my trip to Taiwan, declined and left me with a 12 hour wait time for me to use the card again.Customer service was horrid, can not call past 6pm, have to wait next business day. They are not there to help customers, just to specify they can't do anything.As well when you make payments, it takes 10 to 14 days to post as a no balance, so can not use card until then.Even though I have the card I am not happy my capital 1 card is way better and customer service is amazing.

by Erica H
Fees fees fees !!

I don't recommend this card. Sure it's a card to rebuild your credit but the fees they are creating for me is ridiculous. This month I had made my monthly payment and by my own fault made a second payment 2 days later. I realized I what I did and went back to website and CANCELED PAYMENT. Well that cancel payment on website is useless. Not only did they put payment through I got a $27 fee for it not having funds. Spoke to representative and explained what I did. So they tried to take 2nd payment from my bank account again. So I'm getting a $30 fee from my bank. I'm on my 3rd call about this.

by Jalin

Shady company, DO NOT DO BUSINESS! I processed my payment before the due date however a week later it updated on my statement that the payment was invalid and returned. After several calls to their customer service and supervisors I was told they could not use my bank info as my bank account was invalid. After talking with my bank they informed me when Indigo sent the payment in they coded the payment wrong. After multiple attempts to find out the problem they informed me the only other option was to send a payment via money gram. I've closed this account and still owe them money and now they are saying I have to fax in my bank statement to ensure my bank is valid. More hassle than it is worth! I show a late payment on my credit report and closed account on my credit. Do yourself a favor and stay away!!

Page 1 of 17:

The Insider

Ellen Sirull
Can You Rent a Rental Car With a Debit Card? Why You May Want to Reconsider
Ellen Sirull | May 23, 2019

Many rental car companies allow you to rent with debit cards, with some restrictions, but is it really a good idea compared to credit cards? Find out here.

Read More
Sean Messier
How Can I Easily Stop Getting So Many Credit Card Offers In The Mail?
Sean Messier | May 23, 2019

Tired of pre-approved credit card offers? Find out why you're getting them, how to opt out, and why these offers might actually be worth your time.

Read More
Susan Shain
7 Best Credit Cards for Building Credit
Susan Shain | May 22, 2019

Just starting your credit journey and looking for the best credit cards to build credit? Here are seven solid options — some even with cash back rewards!

Read More