Indigo® Platinum Mastercard® Credit Card review

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Informr score
The Indigo® Platinum Mastercard® Credit Card currently has an Informr score of 4.4 out of 10. This score is based on our evaluation of 11 sources including reviews from users and the web's most trusted critics.

What's good

  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.

What's bad

  • No rewards
  • No signup bonus
  • High variable APR for purchases

Am I eligible?

Indigo® Platinum Mastercard® Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

Credit Card Insider

The Indigo® Platinum Mastercard® is an option if you want to a simple card to build or rebuild 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 yo...

- Brendan Harkness, Credit Card Insider

The Indigo Platinum Mastercard potentially allows access to a credit card even if you have fair and even poor credit. However, that alone may not be enough to justify applying for this card over better options that fill the same need. While one version of the card has no annual fee, the others cost...

- Kat Tretina, Investopedia

The Indigo Credit Card is largely underwhelming compared to other cards aimed at helping people build their credit. While it does not require a security deposit, its fees are high enough that you’re probably better off trying to get a secured card, especially given the potential for cash back and ot...

- TJ Porter, Cardcruncher
The Simple Dollar

The Indigo® Platinum Mastercard® is ideal for card users who don’t want or need to spend large amounts while trying to rebuild or establish their credit. Although this card is stark compared to other options when it comes to credit limits and rewards, the Indigo® Platinum Mastercard® may be helpful...

- Michelle Wilson, The Simple Dollar

The Indigo Platinum MasterCard is likely best for those who have poor or fair credit scores and have not had much success being approved for other unsecured credit cards. Those with bankruptcies and other negative marks on their credit records could stand a decent chance at approval.

- Robin Kavanagh, FinanceBuzz


Interest Rates
Regular APR Interest Rate 24.9% (Variable)
Balance Transfer Interest Rate
Cash Advance Interest Rate 29.9% (Variable)
Rates & Fees
Annual Fee $0.00 - $99.00
Balance Transfer Fee
Cash Advance Fee 5%

- Minimum of $5 (not to exceed $100)

- $0 during the first year

Foreign Transaction Fee 1%

Of each transaction in U.S. dollars.

Over Limit Fee $40.00


Late Payment Fee $40.00


Sign up bonus No
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders No
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits

- Road Assistance

- Travel assistance services

- Choose your custom card design for free

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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