Review of the Indigo® Platinum Mastercard®

John Ganotis

John Ganotis | Reviews

Apr 22, 2016 | Updated Jul 11, 2018

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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, you may be better off with a secured card or 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®
Apply Now

Indigo® Platinum Mastercard®

For People with
Fair Credit

  • Annual Fee: $0 – $99
  • Interest Rate: 23.90% Fixed
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!

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, so this card loses stars for that. 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 Genesis (the issuer) doesn’t provide many details about them.


  • 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).

The Costs & Fees

Annual Fee Purchase APR Balance Transfer APR Cash Advance APR
$0 – $99 23.90% Fixed N/A See Terms
Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee
See Terms See Terms 0%
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 of around $300, so this card won’t be very useful if you want to make big purchases.

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.

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.

Indigo® Platinum Mastercard®
Apply Now

Indigo® Platinum Mastercard®

For People with
Fair Credit

  • Annual Fee: $0 – $99
  • Interest Rate: 23.90% Fixed
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?

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.

  • 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?

    • Aame Kiersten Narad

      No CLI for this one. I’ve had it for almost a year, and never had any issues. It’s helped my credit quite a bit.

      • sherrie20

        Does the card reload every month?

        • John Ganotis

          This is a credit card, not a prepaid card. With a credit card, you use the card to make purchases then pay off those purchases after. There is no reloading of the card. Instead, you get a bill for the amount you owe every month and pay that.

          • Naomi Jones

            LOL @ this is a credit card, not a prepaid card. LOL

  • 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… 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.

    • Liane Blanco

      What number did you call? I cannot get through without an account number, and I don’t have an account number because I have not received my card. :(

      • Sylvia-Michelle Hubbard

        That’s my problem…ever number I have tried goes to an automated system and then I get the message “Currently our customer service is closed. Call back during normal business hours.”, even though I’m calling during normal business hours.

    • Sylvia-Michelle Hubbard

      How long did it take for you to receive your card, or did you ever receive it at all?

  • Liane Blanco

    Have not received my card, but there is no way to get through customer service without an account number. It’s on my credit report with a $75 balance and I have no way to talk to anyone. Ridiculously stupid!

    • Rolando Angeles Garcia Jr.

      did you ever resolve this? i have the same situation.

      • Sylvia-Michelle Hubbard

        I am in the same situation as well. I applied for my car a while back and have yet to receive it. Have you received yours yet?

  • Sandra Lewis

    Can I buy things like groceries and items like soap, lotion, etc?

  • Shanna Wood

    I pay off my balances at the end of the month, this company takes your money and holds it for weeks before it is posted then charges you a 30.00 over limit fee

  • Naomi Jones

    Lord God, help us all!

    • Prime McNasty


  • Erin Rippy

    Please don’t get a card from Indigo. I’ve had nothing but poor customer service from this company.

    First poor customer service: You can NOT get in touch with them 24-7. Nights and weekends?
    Good luck. You’ll even have trouble getting in contact with them on a weekday during regular business hours.

    My wallet was stolen within a few weeks of activating my new card, on a Friday. I was able to contact all of my card companies and bank and secure and/or cancel every account … EXCEPT for Indigo.

    I tried to call them on Friday, Saturday, and Sunday. I wasn’t able to get through to someone until Monday, and the automated system took me in rounds because there were no options to speak to a representative (pressing 0 wasn’t working) and it couldn’t access my account without my card number, which I didn’t have because my card was stolen. I was disconnected several times and when I finally got in touch with someone, their English was so poor that I could barely understand them. I finally got them to understand that my card was stolen and I needed a replacement.

    Five weeks later I still had not received the replacement. I had to jump through the same frustrating hoops to call them. Still didn’t have a card number to enter into the automated system, still was never offered the option to speak to someone, no matter what number I pressed. I finally started spamming the Zero on my phone and eventually was put on hold. When someone answered, they again had a heavy Indian accent, I could barely understand them. They inform me that my account is past due … UM, I DON’T EVEN HAVE A CARD. I convince them to waive the late fee, since I still don’t have a card in hand. They said it sometimes can take as long as 3 weeks for cards to ship, but that my card was on the way. I pointed out that it had been 5 weeks. She said that the 3 weeks was processing time, but my card had been mailed 10 days earlier. I find it hard to believe that even first class metered mail would take 10 days to get to me, but whatever.

    I finally received my card SEVEN WEEKS after I reported it stolen. The card has a sticker with a web address to activate. I try logging in with my username and password, and I receive a notice that my account is unavailable. SO I HAVE TO CALL THESE PEOPLE AGAIN, and again press the Zero button on my phone over and over again to talk to a live human being, who AGAIN tells me my account is past due and I have a late fee. I explain the situation over again, and tell her that I’m trying to activate my replacement card that I finally received, but my account login isn’t working. She tells me I need to register a new account. I told her I already had an account, why did I need to register again? Oh, because the card number has changed. Never before in my life has a credit card company closed my online account and required me to register a new one just because they sent me a new card. WTF?!? I asked if she could help me with that, because I’m frankly fed up with this company. She said no, she couldn’t do that.

    I finally asked her to just close my account, to which she said a whole lot of things that were NOT “Yes ma’am, I can help you with that.” I used the card for only one purchase, so the only balance on the card was a single purchase plus the annual fee. I asked her to waive the annual fee since I only had the card in my posession about 2 weeks. She refused to waive the annual fee, but did eventually agree to close my account. Hopefully she really did close it, I pay the final bill, and I can be done with these jerks.

  • Anthony Roberts

    I see alot of people saying they never got their card. I applied last week and I got my card in the mail today. They say I have to pay $75 before I can use the card any one know when ill be able to use the card after I pay the fee

  • Tammy Warne

    Indigo is a terrible credit card. DO NOT GET THIS CARD!!! Huge scam! I had this card and due to financial difficulties I had to make a settlement payment to resolve my debt. I was told repeatedly that the balance would be brought to zero and show up as closed by my request. Now I am being told that no they will not zero the balance out and it will show that I left owing over 200. However they say that it will show that I don’t owe them anything further-so my question was if I don’t owe you anything further then why can’t you zero it out??? They just keep telling you no matter who you talk to manager or not that they will not remove the balance but I don’t owe them. There are better cards out there for rebuilding credit, don’t choose them

  • Harvey Cobb

    Everything was ok at first~ now i can’t log onto my account online, nor contact them by phone. Phone keeps asking for me to enter my account number, over and over again. So i just gave up, can’t contact anyone, nor view my account online.

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