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Review

Review of the Indigo® Platinum Mastercard®

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Brendan Harkness By Brendan Harkness Oct 27, 2018 | Updated Jan 07, 2020
Our rating
Min. credit level: Fair
Annual Fee: $0-$99
Regular APR: 24.9% Fixed

The Indigo® Platinum Mastercard® is designed for people with bad credit. If your FICO scores are below 600 and you’re having trouble getting approved for other cards, this card may be one way for you to build credit. However, we do not recommend this card, since we’ve received many complaints about it.

If you’re looking to build credit, take a look at our top alternatives to the Indigo card. Also check out our top picks for people with bad credit and the best secured credit cards. Or, consider a credit builder loan.

This card doesn’t offer any rewards, like points or cash back, but it does report activity to credit bureaus so you can use it to establish a record of on-time payments on your credit reports. After you spend some time using it responsibly, you’ll likely be able to use your good credit history to qualify for more rewarding credit cards with better benefits.

You can check to see if you’re pre-approved for this card without impacting your credit scores. This can give you a better idea of the likelihood you’ll be approved if you decide to actually apply.

Indigo® Platinum Mastercard®

Indigo® Platinum Mastercard®

Our rating
Min. credit levelFair
Details
Annual Fee$0-$99
Regular APR24.9% Fixed
Apply Now

securely on the issuer's website

Our Rating: 1 out of 5 Stars

We gave this card 1 out of 5 Stars because we’ve received a number of complaints about the customer service on this card and the turnaround time on payments being posted to accounts after they’re sent. See visitor reviews or leave your own here.

There aren’t any rewards on this card. This card’s only real purpose is to help people with bad credit build credit.

Read on to learn more.

Using This Card as Part of Your Credit Card Strategy

  • Understand how to build credit with credit cards responsibly before you apply for this or any card.
  • If you have good credit and haven’t been denied for other better cards, you should probably consider other credit cards before this card.
  • Make sure you read, understand, and follow the terms of the card to avoid extra fees or negative items that could hinder your credit-building.
  • Based on visitor reviews, make sure you plan ahead when sending payments to allow plenty of time for payments to post to your account.
  • Once you have built up your credit enough to get other credit cards and don’t need this card any more, you’ll probably want to close it to avoid the annual fee. Learn how closing a card can impact your credit scores here.

The Rewards

There are no rewards for using this card, like points or cash back. Instead, it’s designed to give you a way to build good credit history, which can give you the opportunity to get better cards in the future.

The Benefits

There are only a few benefits that come with this card, and Celtic Bank (the issuer) doesn’t provide many details about them.

Shopping

  • Extended Warranty Protection

    Will double an eligible manufacturer’s warranty, up to a certain time period.

Travel

  • MasterRental Coverage

    Decline the car rental company’s own insurance to get coverage against collision damage and theft for eligible rental vehicles.

  • Master RoadAssist Service

    Call for help finding emergency services when driving, like tire changes, tow trucks, and fuel delivery.

  • Travel Assistance Services

    Provides pre-trip planning information, assistance with medical and legal referrals, and more.

Security

  • 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).

The Costs & Fees

Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0-$99 24.9% Fixed Not Available See Terms
Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee
Not Available None None
Penalty APR Late Fee Returned Payment Fee
None Up to $39 See Terms

Take note that you’ll probably end up with an annual fee with this card. It will show up as part of your statement balance.

This card will probably cost you some money and your credit limit likely won’t be very high, but that’s because it’s designed for riskier borrowers.  You should use it primarily to help you build up your credit, rather than to finance a purchase and pay it off over time.

You can check the terms and conditions of the Indigo Platinum Card, which has three different sections according to the annual fee levels.

What is the Credit Limit?

The credit limit of the Indigo Platinum Mastercard is $300.

The Bottom Line

The Indigo Platinum Mastercard may be an option if you want to a simple card to build or re-build your credit, but it has lots of customer complaints.

This card has one purpose only: to help you improve your credit by showing a record of responsible behavior. You’ll have to pay an annual fee, but if you can’t get approved for any other cards it’s a pretty small price to pay for the opportunity to build credit.

You can’t use this card for balance transfers.

Just be sure to pay your bill on time and in full every month to avoid late payments and build good history as a borrower. If you can keep up that positive activity you’ll eventually be able to be approved for a better rewards card with more useful benefits.

Confused about using and paying your credit cards? Check out our guide, How Paying A Credit Card Works.

Applying for the Indigo Platinum Mastercard

Want to learn more or apply for this card? Just click the name below.

Qualifications and Requirements

  • Must be pre-approved
  • Must be 18
  • Personal identifying information, including birth date, Social Security number, and phone number
  • Total household income and source of income
  • Monthly mortgage/rent payment
Indigo® Platinum Mastercard®

Indigo® Platinum Mastercard®

Our rating
Min. credit levelFair
Details
Annual Fee$0-$99
Regular APR24.9% Fixed
Apply Now

securely on the issuer's website

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Alternatives to the Indigo Platinum Mastercard

The Indigo Platinum Mastercard has many bad reviews. Although it could provide a way into the world of credit for some, we recommend trying to qualify for other credit cards designed for bad or limited credit first, like the ones below.

Deserve Classic Mastercard

Deserve Classic Mastercard

Our rating
Min. credit level No Credit
Details
Annual Fee $0
Regular APR 24.49% Variable
Apply Now

securely on the issuer's website

The Deserve Classic Mastercard (Review) is designed for people with limited or no credit history, who need a way to start establishing credit. If you have bad credit, with a record of late payments and other negative activity, you may not be approved for this card.

This is an unsecured card, like the Indigo Platinum.

Deserve, the card issuer, will check more than the typical factors when making its decision. In addition to the normal criteria like credit history and income, Deserve will also consider your education, future employability, and future earning potential. This gives people without an established credit history a better shot at approval.

The Deserve provides a strong benefits package, including some specific rebates that might prove useful to the right person. Unlike the Indigo, the Deserve has no annual fee. And whereas the Indigo’s credit limit caps at just $300, the maximum limit for the Deserve is $1,500, which will prove more useful and can be better for your credit.

  • Lemonade Insurance rebate: Get a one-time $10 statement credit after making three consecutive payments for Lemonade Renters and Home Insurance.
  • Feather Furniture Rental rebate: Receive a $100 discount on your first month’s rental from Feather by using promo code “DESERVE100”.
  • Refer friends for statement credits: Earn a $30 statement credit for every friend who’s approved. Refer ten friends to get a $200 bonus, for a total of $500.
  • Cell Phone Insurance: Pay your cell phone bill with the Deserve Classic to get up to $600 in coverage against damage and theft.
  • Price Protection: If you buy an eligible item and find it being advertised for less, you can be reimbursed for the price difference.
  • Purchase and Balance Transfer APR: 24.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
Discover it® Secured

Discover it® Secured

Our rating
Min. credit level Bad
Details
Annual Fee $0
Regular APR 24.49% Variable
Apply Now

securely on the issuer's website

The Discover it® Secured (Review) is our top pick when it comes to secured credit cards, because it includes a decent rewards program and has generally favorable terms.

It requires a refundable security deposit of $200-$2,500 once approved, and your credit limit will be equal to your deposit. Discover will review your account activity every eight months. If it finds that you’ve been managing your credit responsibly, not just with this card but in general, it may refund your security deposit while letting you continue to use the account. There is no program to graduate to an unsecured card.

You’ll earn 2% cash back at restaurants and gas stations, an excellent rate for a secured credit card. Discover will also double the rewards you earn for the first year, making it especially rewarding for a card built for poor credit.

However, you’ll only receive a very basic benefits package, even compared to the Indigo Platinum. So you’ll have to decide: Do you want to earn some cash back as you build your credit, or do you want a few extra bells and whistles?

Spending Rewards
  • 2% cash back on up to $1,000 in spending per quarter at:
    • Restaurants
    • Gas stations
  • 1% cash back for all other purchases
Introductory Bonus Offer
  • Cashback Match: Get double the cash back in your first year, awarded at the end of the first year
  • FICO Credit Scorecard: Check your FICO Score 8 for free whenever you’d like, based on your TransUnion credit report.
  • Cash at Checkout: Get cash back when checking out at participating merchants, which will be counted as part of your purchase rather than as a cash advance.
  • Social Security number alerts: Discover monitors thousands of risky websites, and will alert you if your SSN is found being used on any of them.
  • Balance Transfer APR: 10.99% for 6 months, then 24.49% Variable
  • No foreign transaction fee
  • Annual fee: $0
Capital One® Secured Mastercard®

Capital One® Secured Mastercard®

Our rating
Min. credit level Bad
Details
Annual Fee $0
Regular APR 26.74% Variable
Apply Now

securely on the issuer's website

The Capital One® Secured Mastercard® (Review) is a simple secured card without many flashy features. Its main purpose is to help you build up your credit scores.

Like all secured cards, you’ll need to pay a refundable deposit. However, what’s different with the Capital One Secured Mastercard is, depending on your creditworthiness, you’ll be asked to pay either $49, $99, or $200. But no matter what you’re asked to pay, your starting credit limit will be $200.

You can also choose to deposit more if you want a higher credit limit. Up to $1,000 can be deposited, to get a $1,000 credit line. Deposit payments can be made in partial installments, but the full deposit must be made within 80 days of approval.

You’ll get a similar benefits package along with some nice extras, including an easier way to a higher credit line, a price matching perk, and a credit monitoring service. So the Capital One Secured card might provide a simpler way to build credit with some added perks to boot.

  • Access a higher credit line: Make your first five monthly payments on time to be given access to a higher credit line, without needing to make another deposit.
  • Capital One CreditWise: Cardholders can log in to CreditWise to monitor their VantageScore 3.0 credit scores, based on their TransUnion credit reports.
  • Price Protection: Find an eligible item you bought being sold for less, and you can be reimbursed for the difference in price.
  • 24-Hour Travel Assistance Services: Includes help finding emergency road services, travel information and advice, and medical or legal referrals.
  • Other benefits: Such as Extended Warranties, $100,000 Travel Accident Insurance, and MasterRental Coverage (which provides auto rental collision damage waivers).
  • Purchase and Balance Transfer APR: 26.74% Variable
  • No foreign transaction fee
  • Annual fee: $0
Citi® Secured Mastercard®

Citi® Secured Mastercard®

Our rating
Min. credit level No Credit
Details
Annual Fee $0
Regular APR 23.99% (Variable)
Apply Now

securely on the issuer's website

The Citi® Secured Mastercard® (Review) is a basic secured card, similar to the Capital One Secured card above.

It has a fairly high potential credit limit, and requires a refundable security deposit of $200 to $2,500 when approved. Your credit limit will be equal to the amount you deposit.

Keep in mind the Citi Secured does not allow you to deposit more later on in order to increase your credit limit. So be sure what you put down initially (in increments of $100) will be enough to cover your needs. Citi may offer you an upgrade to an unsecured card, potentially the Citi® Diamond Preferred® Card (Review), if you show responsible behavior with this card and credit in general.

This card offers more protections than the Indigo Platinum, and also lets you track your progress as you work to build up your credit.

  • Free FICO Credit Score: Check your FICO Score 8 for free, based on your Equifax credit report.
  • Purchase Protection: If an eligible item you buy is damaged or stolen, you can be reimbursed up to $1,000 per item, up to $50,000 per year.
  • Extended Warranty: Eligible warranties of up to one year can be doubled, up to 24 additional months.
  • Citi Identity Theft Solutions: Citi will help if you become a victim of identity theft, with assistance contacting credit bureaus and filing police reports.
  • Purchase and Balance Transfer APR: 23.99% (Variable)
  • Annual fee: $0

The information related to Citi® Secured Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Indigo® Platinum Mastercard®

Indigo® Platinum Mastercard®

Our rating
Min. credit levelFair
Details
Annual Fee$0-$99
Regular APR24.9% Fixed
Apply Now

securely on the issuer's website

Not the card for you? Take a look at other cards designed for people with bad credit in The Best Credit Cards for Bad Credit.

Was this review helpful to you? Go ahead and share it with a friend! And if you use the Indigo Platinum Mastercard, how do you like it? Leave your own review of the card below, we’d love to hear from you!

AT A GLANCE

The Indigo Platinum Mastercard exists for one purpose: to help you build credit. However, we recommend looking elsewhere, as we’ve received numerous complaints regarding this card.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to Citi® Secured Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts and/or questions are answered.

  • C pj

    select 7 instead of 0 and you should be taken to a rep

  • C pj

    Yes, it’s concerning that some are having issues with the card and others are not. I get thru to cust svc rather quickly and can access my acct online without any issues. I haven’t had any real concerns other than the rather substantial fee and very small credit line which I basically knew and expected since the card is primarily for those with a credit score below 650. It’s not so bad, but I’m a fairly new cust so we’ll see…

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  • Derek Lawson

    Do not get this card. I went to go make a payment and the payment went through but after a couple days the credit card rejected my payments up to 3 times. I then made my card payment with another debit card and finally it went through. I went to go check my balance on my card and it hadn’t changed. I then call customer service and ask them about it and they said since there was 3 fails on the one mastercard they had to close my account and I wasn’t able to open it back up. So they basically let you open it for a few months and then reject your cards and close your account. I knew my last card had money on it because it was my business card. These people are crooks.

  • BC Carlisle

    Indigo Credit Card!!! Nooooooo!!!
    You Have Been Warned. This company Sucks and will be quick to report false, outdated, and negative info to the credit bureau!!! There are many other options out there, don’t use this one and hurt yourself more then you help yourself for $300 credit line. You can do better and I will even help just so you don’t get messed up like I did by these people. They have been screwing me up coming to find since Mar 2019 and here it is oct 1 2019. Again, if you care about long term don’t do it. Together we can make a difference against “unfair business practices!” And help each other.