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Indigo® Mastercard® Credit Card review

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Informr score
The Indigo® Mastercard® Credit Card currently has an Informr score of 4.8 out of 10. This score is based on our evaluation of 16 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® 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...

Best Wallet Hacks
Best Wallet Hacks

The Indigo Platinum Mastercard can be an easy way to build credit when you don’t have the funds for a security deposit. Because it’s a Mastercard, it also comes with the peace of mind of near-universal acceptance. But you must be comfortable with the potentially high annual fee, high APR, and low cr...

- Josh Patoka, Best Wallet Hacks

The Indigo 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

The Indigo Platinum Mastercard is designed for people who want an unsecured credit card that can help them build or rebuild their credit. However, that doesn’t mean that it’s the best card for those purposes. Its high fees and lack of perks doesn't make it a strong choice. Most people may be better...

- Thomas (TJ) Porter, MyBankTracker
The Balance
The Balance

If you need to establish or rebuild your credit and don’t have the cash on hand to put down a security deposit, the Indigo Platinum Mastercard might be worth checking out. You’ll first need to fill out a prequalification application, which will help determine whether or not you may qualify without c...

- Dawn Papandrea, Matthew Klammer, The Balance

If the credit limit works for you and you know you can pay down the card every single month, go for it. Just remember that low credit limits can hurt your credit score if you have a high utilization rate. Pay off your bill at the end of every month and make sure your payments are all on time. That’s...

- Jennifer Pacheco, SimpleMoneyLyfe


Interest Rates
Regular APR Interest Rate 24.9%
Balance Transfer Interest Rate
Cash Advance Interest Rate 29.9%
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 $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 -
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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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