Review of the Indigo® Platinum Mastercard®

John Ganotis

John Ganotis | Reviews

Apr 22, 2016 | Updated Aug 02, 2018

Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Best Card Picks, or how one card is compared to another. Mastercard and Genesis FS Card Services have not endorsed this content in any way.

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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, check out our top picks for people with bad credit and 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®
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.

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% Fixed See Terms
Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee
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.

  • RDF

    They told me there is only 1 limit and it does not increase it will always be the same. RIP OFF

  • Ty Anderson

    I received this card a few weeks ago. I created the account online and immediately saw a $75 annual fee. I have other credit cards and don’t need a card with a fee on it. I looked through my paperwork and did not see anything about a fee. So today I got online to access my account to contact them and I keep getting a message saying there is no account attached to (this email) this (username). This is crap.

    Try Capital One if your are starting out. I have Discover too.

  • Ricky Bias

    I have the same issue! And now my credit score is down 93 points. All because I can’t get in touch with no one. When I hit zero for the operator. It hangs up. This credit card is a death trap and they need to be reported to the IRS!

  • Ricky Bias

    Same thing happened to me! 🤦🏾‍♂️

  • Ricky Bias

    The account number is the last 4 digits of your card number.

  • Ricky Bias

    Shit you wanna get rid of the whole damn card! This shit isn’t worth it!

  • Anthony Moore

    https://uploads.disquscdn.com/images/cfcbf1b8a80b45a49cb2679eb4965d3dace298f457b1f5250faa8d77220d68ed.jpg From speaking to anyone live, getting an accurate account of your balance, having funds pulled from your account when you make a payment to updating your valuable credit, all these things take time, a lot of time, it takes 15min or more to speak to anyone, and when you do they have not a clue on how to answer you concerning your issue. itt took e 3 weeks to receive a Balance but by then they posted to my credit thats when I found out how much I really old them, using the card is tricky, no matter how much you spend, for weeks your card will tell you that the money you just used is still avaible as credit. If you go onine to check you will receive the same info as the recored voice telling you all the wrong information. Say away from this card.

  • Anthony Moore

    From speaking to anyone live, getting an accurate account of your balance, having funds pulled from your account when you make a payment to updating your vailable credit, all these things take time, a lot of time, it takes 15min or more to speak to anyone, and when you do they have not a clue on how to answer you concerning your issue. itt took e 3 weeks to receive a Balance but by then they posted to my credit thats when I found out how much I really old them, using the card is tricky, no matter how much you spend, for weeks your card will tell you that the money you just used is still avaible as credit. If you go onine to check you will receive the same info as the recored voice telling you all the wrong information. Say away from this card.

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