Indigo® Platinum Mastercard® Credit Card review

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4.9/10
Informr score
The Indigo® Platinum Mastercard® Credit Card currently has an Informr score of 4.9 out of 10. This score is based on our evaluation of 6 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...


CreditCards.com

If you are trying to improve your less than perfect credit, the Indigo Platinum MasterCard has a pretty standard APR and credit limit. But the wide range of annual fees and unspecified policy for increasing your credit limit over time rank this card on the lower end of credit building cards.

- Emily Sherman, CreditCards.com
NerdWallet

The annual fee is $0 to $99, depending on creditworthiness — and it’s best to assume that if you have bad credit, you’re more likely to be on the $99 end than the $0 end. Your credit limit is likely to be low, too: The card’s terms and conditions suggest that a $300 limit is typical. That makes it e...

- Melissa Lambarena, NerdWallet
ValuePenguin

This certainly isn't the best credit card for people with limited credit or a bad credit history. If all you're looking for is a quick application, it can be a decent pick. However, we don't recommend applying before you evaluate your other options.

- Joe Resendiz, ValuePenguin
Finder

The Indigo® Platinum Mastercard® Credit Card doesn’t come with many benefits. However, it’s an unsecured card that may help you improve your credit if used correctly. As your credit score increases, you may be able to apply for a rewards card or find a balance transfer card.

- Megan Horner, Finder
Cardcruncher

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

Details


Interest Rates
Regular APR Interest Rate 24.9%
Balance Transfer Interest Rate
Cash Advance Interest Rate 24.9%
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 $39.00

Maximum

Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus No
Rewards
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
Additional Benefits

- Road Assistance

- Travel assistance services

- Choose your custom card design for free

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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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.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

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Critic Reviews


CreditCards.com

A pretty basic credit building card

from CreditCards.com

If you are trying to improve your less than perfect credit, the Indigo Platinum MasterCard has a pretty standard APR and credit limit. But the wide range of annual fees and unspecified policy for increasing your credit limit over time rank this card on the lower end of credit building cards.

Read full review

If you are trying to improve your less than perfect credit, the Indigo Platinum MasterCard has a pretty standard APR and credit limit. But the wide range of annual fees and unspecified policy for increasing your credit limit over time rank this card on the lower end of credit building cards.

Read full review

Less

NerdWallet

A costly way to build credit

from NerdWallet

The annual fee is $0 to $99, depending on creditworthiness — and it’s best to assume that if you have bad credit, you’re more likely to be on the $99 end than the $0 end. Your credit limit is likely to be low, too: The card’s terms and conditions suggest that a $300 limit is typical. That...More

The annual fee is $0 to $99, depending on creditworthiness — and it’s best to assume that if you have bad credit, you’re more likely to be on the $99 end than the $0 end. Your credit limit is likely to be low, too: The card’s terms and conditions suggest that a $300 limit is typical. That makes it easy to run a high credit utilization, which can harm your credit even as you’re working to improve it. Plus, the 23.90% APR for purchases is high, so keeping a balance is not ideal.

Read full review

Less

ValuePenguin

A decent card to build or rebuild your credit, but there are better options

from ValuePenguin

This certainly isn't the best credit card for people with limited credit or a bad credit history. If all you're looking for is a quick application, it can be a decent pick. However, we don't recommend applying before you evaluate your other options.

Read full review

This certainly isn't the best credit card for people with limited credit or a bad credit history. If all you're looking for is a quick application, it can be a decent pick. However, we don't recommend applying before you evaluate your other options.

Read full review

Less

Finder

A no-frills subprime card that helps you improve your credit

from Finder

The Indigo® Platinum Mastercard® Credit Card doesn’t come with many benefits. However, it’s an unsecured card that may help you improve your credit if used correctly. As your credit score increases, you may be able to apply for a rewards card or find a balance transfer card.

Read full review

The Indigo® Platinum Mastercard® Credit Card doesn’t come with many benefits. However, it’s an unsecured card that may help you improve your credit if used correctly. As your credit score increases, you may be able to apply for a rewards card or find a balance transfer card.

Read full review

Less

Cardcruncher

There are better options for poor credit

from Cardcruncher

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 other rewards.

Read full review

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 other rewards.

Read full review

Less

MoneyUnder30

Offers a lot for a poor credit score credit card

from MoneyUnder30

While there are better credit cards out there for those with bad credit ratings, they’re generally secured credit cards. If you don’t want the restrictions or the stigma attached to a secured credit card, the Indigo Platinum Mastercard is a great choice for anyone with bad or no credit to show for themselves.

Read full review

While there are better credit cards out there for those with bad credit ratings, they’re generally secured credit cards. If you don’t want the restrictions or the stigma attached to a secured credit card, the Indigo Platinum Mastercard is a great choice for anyone with bad or no credit to show for themselves.

Read full review

Less

User Reviews


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