Indigo® Platinum Mastercard®

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.

You can check to see if you prequalify for the Indigo card for free, without hurting your credit score 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 another one 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. They will ask three times, then you’ll be transferred to a person.

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  • Rewards


  • Signup Bonus None
  • Chip Technology None
  • Foreign Transaction Fee 0%
  • Intro Balance Transfer APR N/A for N/A
  • Regular Balance Transfer APR N/A
  • Cash Advance APR See Terms
  • Penalty APR See Terms
  • Late Fee See Terms
  • Returned Payment Fee -

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Price Protection

    See your Guide to Benefits for details.

  • Extended Warranty Protection

    See your Guide to Benefits for details.


  • 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).

Visitor Reviews

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

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Average rating:  
 41 reviews
by Eddie

Always made payments before payment due date...I have a 300 limit. Just got my $99 fee added after one year of paying on time. The cost is outrageous. One-third of the threshold is a fee.

by Elsa
They suck. Customer service sucks.

They get zero stars.

by Clinton L. Stancil

Worst card do not order. Credit Karma and other credit reporting services should stop recommending this card. I only used the card on time. Then when I traveled I decided to use the card for incidentals at a hotel. The card was declined. I checked the available balance and everything appeared to be fine. Later that day I tried to use the card at CVS pharmacy for $19 dollars, again it was declined. So I called the credit card company and all the agent would tell me was, the card was declined for numerous attempts to use. I tried without success to explain that I wasn’t the one declining the card, they were for reasons they refused to explain. The agent hung up on me as I tried to explain my issue. I called back and another agent repeated the same script, that I had has excessive declines that prevented me from using the card. There was no way to get them to understand that all I wanted to know was, what was causing them to decline to card with an available balance in the first place. I finally told the agent that I was going to cut up the card and pay off the balance and she said, “what’s wrong?” Both reps were completely tone deaf and provided the worse customer service I have experienced in awhile. I still have no idea what the issue is with the card. DON’T GET A INDIGO CREDIT CARD?

by TMonic
Run around card sent to old address

So im reading thess reviews as i sit on hold waiting for a supervisor. Been waiting almost an hour. How do u send a pre approval to my home, i apply online with my current address, and you send it to an address i havent lived at since 2016 and on my credit report. What a freaking joke. Now someone else can get it are u serious. If ANYTHING affects me i will not rest until i see this company shut down. They said it will take 30 days to get another, if it comes im shreading it.

by Chuck Thompson
Scam Card

Dont get this card. I have a 300 limit. Just got my $99 fee added after 2 years of paying on time. This yearly fee is outrageous. One third of the limit is a fee. YOU WILL HATE YOURSELF LIKE I DO< FOR MAKING THIS STUPID MISTAKE. Very hard to cancel this scam card.

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