Review of the Indigo® Platinum MasterCard®

Brendan Harkness

Brendan Harkness | Reviews

Apr 22, 2016 | Updated Sep 27, 2016

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The Indigo® Platinum MasterCard® is designed for people with fair credit, so if your credit score is around 660 – 699 this card might be right for you.

It doesn’t offer any rewards, like points or cash back, but it does provide a way for you to build up your credit and improve your credit score. After you spend some time using it responsibly, you’ll be able to qualify for more rewarding credit cards with better benefits.

You’ll get a few minor benefits with this card, but the real value comes from using it to improve your credit.

You’ll be able to check to see if you’re pre-approved for this card without hurting your credit, so you won’t need to worry about the outcome if you decide to apply (if you’re not pre-qualified, you may be given another option).

Card Rating: 3 out of 5 Stars

We gave this card 3 out of 5 Stars because it gives anyone an easy way to build or re-build their credit. If you’ve had a hard time getting approved for other credit cards, this one would be a good card to try.

You’ll have a chance to check your pre-qualification status before you apply, and if you won’t be approved for this card you may be offered another option. This card loses some stars because it’s pretty simple, without rewards or many benefits, but since the point of this card is only to build credit this isn’t a very big deal.

Read on to learn more!

Indigo® Platinum MasterCard®
Apply Now

Indigo® Platinum MasterCard®

For People with
Fair Credit

  • Annual Fee: $0 - $99
  • Interest Rate: 23.90%
Quick Card 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!

The Rewards

There are no rewards for using this card, like points or cash back. Instead, it’s meant to help you build credit until you can be approved for a better card.

The Benefits

There are only a few benefits for owning this card.

Shopping

  • Price Protection

    See your Guide to Benefits for details.

  • Extended Warranty Protection

    See your Guide to Benefits for details.

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 23.90% See Terms See Terms
Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee
See Terms See Terms See Terms
Penalty APR Late Fee Returned Payment Fee
See Terms See Terms 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.

We’ve had reports of people getting a pretty low credit limit, often $300. So this card won’t be very useful if you want to make big purchases.

This card will cost you some money and your credit limit won’t be very high, but that’s because it’s designed for lower credit scores.  You should use it primarily to help you build up your credit, rather than to help you finance your shopping or other spending.

The Bottom Line

The Indigo Platinum MasterCard is a good option if you want to a simple card to build or re-build your credit.

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 it’s a pretty small price to pay for the opportunity to build credit.

You cannot use this card for balance transfers.

Just be sure to pay your bill on time every month, and remember that it’s best to try to pay off the entire balance every month. 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.

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

If you have fair credit and you want to look at some cards with rewards, you’ll have to look elsewhere.

Applying for the Indigo Platinum MasterCard

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

Indigo® Platinum MasterCard®
Apply Now

Indigo® Platinum MasterCard®

For People with
Fair Credit

  • Annual Fee: $0 - $99
  • Interest Rate: 23.90%
Quick Card 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!

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, we’d love to hear from you!

Was this helpful?
  • James Moninger

    Good review. Thanks!

    I applied and was approved for this card, and you were correct about the $300 credit limit. Does anyone know whether this company ever increases credit lines, and under what circumstances?

  • Christopher Jennings

    I have had this card for over 6 months. They claimed I needed to fax
    over my drivers license to verify my date of birth so I could register
    for online access. I did so in the first week. Then the second month.
    Then 5 months later. Still they claim they have not received my
    documents. These “so-called” people are the biggest pieces of shit I
    have ever had to deal with. Who withholds the ability to access your
    online account for no reason? Why does it take 2 weeks to receive a
    faxed document and verify it. I literally have run up the card and
    threatened to never make another payment until they allow me to access
    my account online! Sound extreme? You bet your ass it’s extreme!
    These are the type of dumb fucks we are dealing with. Go on….get this
    card and see if you aren’t ready to burn it after a month of having to
    call in to check your balance and having to wait on hold just to hear
    your recent transactions from an live operator. Yeah…..you literally
    CANNOT get your recent transactions from the automated system! You have
    to speak to a live agent after holding for 5 minutes….every time!
    For the life of me I do not understand why this company would put their
    customers in the mood to curse out every agent they speak to. I forced
    the agent to note in my account my literal vitriole and the fact that I
    would let the damn card go into collections if they didn’t give my
    account access online. I have never….in my life….experienced this
    kind of anger for something so petty. I hope this bank folds and all
    it’s employees go to prison……even the fucking janitor!

  • Gary Casterline

    I got approved for this card in Jan 2017 . By end of Feb. I received a bill for the annual fee but no credit card. So I called them. They cancelled that card and said they sent another out. Still did not receive and they want me to pay them their annual fee but yet haven’t received the card yet. Y’all crazy if you think I’m paying for something without ever receiving the card. Plus they refuse to cancel my account saying I owe them weather I received the card or not.

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