1. Credit Cards
2. Insights
3. Atmos™ Rewards Summit Visa Infinite® credit card

Image: image

1

reviews

5

Rating: 5 out of 5.

Great for maximizing Atmos perks

Annual Fee: $395

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Atmos™ Rewards Summit Visa Infinite® credit card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $18,976, with $5,000 being the most common.

Here’s the average credit score of members who matched their Atmos™ Rewards Summit Visa Infinite® credit card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 740, with 815 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

21.7%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

47 years

Average age of members who matched this card or similar cards.

$137,152

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

1. Credit Cards
2. Insights
3. Citi Strata Elite℠ Card

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2

reviews

3

Rating: 3 out of 5.

Great for maximizing hotel rewards

Annual Fee: $595

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Citi Strata Elite℠ Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $23,092, with $10,000 being the most common.

Here’s the average credit score of members who matched their Citi Strata Elite℠ Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 706, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

25.3%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

40 years

Average age of members who matched this card or similar cards.

$124,215

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

1. Credit Cards
2. Insights
3. Indigo® Mastercard® review: Rebuilding your credit could come at a high cost

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625

member reviews

2.9

Rating: 2.9 out of 5.

Editors’ take: This card can help you build credit, but other options may come with lower fees and more attractive features.

Image: hands-thumbs-up

Great for access to unsecured credit

Image: cash

Annual fee: $75 the first year; $99 thereafter (you may see different terms on Credit Karma)

The average credit score for members who have matched with this card or similar cards is 565

The average credit limit for members who have matched with this card or similar cards is $708

Explore more about this card:

• Pros and cons
• In-depth Editorial review

Here’s the average credit limit of members who matched their Indigo® Mastercard® or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $708, with $300 being the most common.

Here’s the average credit score of members who matched their Indigo® Mastercard® or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 565, with 551 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

Image: low-utilization

61%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

Image: meetup

48 years

Average age of members who matched this card or similar cards.

Image: cash-give-1

$81,748

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

Image: yes

Geared toward people with less-than-perfect credit

Image: yes

No security deposit required

Image: Con

Low credit limit with no clear path to an increase

Image: Con

Purchase APR is high

Image: Con

High annual fee with no rewards to offset the cost

Indigo® Mastercard® review

Updated August 18, 2026

This date may not reflect recent changes in individual terms.

Written by: Eric Freeman, Editorial Lead, Credit Cards

Edited by: Charles McArthur-Johnson, Content Coordinator, Credit & Debt

What you need to know about the Indigo® Mastercard®

The Indigo® Mastercard® can help you build credit, but there are several things to watch out for before you decide if it’s right for you. Take note: The card details in this article are applicable to offers provided when you apply through Credit Karma, and terms may vary elsewhere.

A chance to rebuild credit

The primary draw of the Indigo® Mastercard® is that it’s geared toward people who want to rebuild credit without requiring a security deposit. Unlike secured credit cards, you won’t have to put down money upfront to secure the account.

The bank doesn’t list the exact credit requirements for approval, but it does say the card is for people with “less-than-perfect credit.” While not everyone will qualify, that language suggests that your chances of approval might be better than with many other cards.

A high annual fee with no rewards

While the issuer’s willingness to work with people in need of credit is a plus, you’ll find yourself paying a fair amount just to use this card.

First, the Indigo® Mastercard® has an annual fee of $75 the first year; $99 thereafter (you might see different terms on Credit Karma). That’s not an uncommon annual fee for a credit card, but it’s high for a card that doesn’t offer any rewards to help offset the upfront cost. Essentially, you’ll be paying every year just for access to credit.

The low credit line could limit you

While the Indigo® Mastercard® is available to people with different kinds of credit profiles, it’s not guaranteed to work for all budgets. That’s because the card offers a credit limit of just $300 (which is immediately decreased by the amount of the card’s annual fee). Other cards meant for building credit might also come with a low initial limit, but a fair number of those cards will review accounts periodically for potential credit-line increases. This card, however, doesn’t offer that.

In addition to limiting your potential buying power, that low credit line could also hurt your ability to build credit. The amount of available credit you use — your credit utilization rate — is a major factor in determining your credit scores. And with a $300 limit (terms might be different when you apply through Credit Karma), you could find that you’re using that entire credit limit fairly often.

It’s recommended to keep your credit utilization under 30%, which might be a challenge with this card. Other cards meant for building credit might offer you a similarly low credit limit but also promise regular reviews for potential credit line increases.

You could pay even more if you carry a balance

If you carry a balance on the Indigo® Mastercard®, it’s going to cost you. The card comes with a variable purchase APR of 35.9%, which is pretty high for a credit-building card (you might see different terms on Credit Karma).

And if you make a late payment, you could face a late fee of up to $40 (you might see different offers on Credit Karma). Missed payments can happen for any number of reasons, so that’s a serious risk for your account.

Who this card is good for

The Indigo® Mastercard® could be a good choice for people struggling to get approved for other cards, but we don’t recommend it if you have other options for building credit.

While the ability to get approved with a less-than-perfect credit history is a clear positive, the high annual fee and purchase APR mean you might end up paying a fair amount just for access to credit. Add in the relatively low credit line, and your purchasing power and ability to improve your credit might be limited.

Instead, we suggest looking at a card with no annual fee that allows you to access more features over time. These cards may not look as attractive right now and might even require an initial security deposit, but they offer more opportunities to improve your credit over the long term.

Not sure this is the card for you? Consider this alternative.

• Capital One Platinum Credit Card: If you don’t want to pay a security deposit, this card has no annual fee and the opportunity to increase your credit line.

1. Credit Cards
2. Insights
3. Avant® Mastercard® Cash Back Rewards – With A Higher Credit Limit

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0

reviews

 

Rating: 0 out of 5.

Great for straightforward rewards

Annual Fee: $125 first year; then $125.04/year ($10.42/mo)

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Avant® Mastercard® Cash Back Rewards - With A Higher Credit Limit or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $1,125, with $300 being the most common.

Here’s the average credit score of members who matched their Avant® Mastercard® Cash Back Rewards - With A Higher Credit Limit or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 591, with 570 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

56.8%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

49 years

Average age of members who matched this card or similar cards.

$86,687

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

1. Credit Cards
2. Insights
3. Mission Lane Silver Line Visa® Credit Card with a Higher Credit Limit

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1

reviews

5

Rating: 5 out of 5.

Great for rewards with no annual fee

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Mission Lane Silver Line Visa® Credit Card with a Higher Credit Limit or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $1,249, with $300 being the most common.

Here’s the average credit score of members who matched their Mission Lane Silver Line Visa® Credit Card with a Higher Credit Limit or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 596, with 572 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

55.3%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

45 years

Average age of members who matched this card or similar cards.

$84,494

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

1. Credit Cards
2. Insights
3. Tilt Essentials

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17

reviews

2.5

Rating: 2.5 out of 5.

Great for rewards with no annual fee

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Tilt Essentials or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $8,091, with $500 being the most common.

Here’s the average credit score of members who matched their Tilt Essentials or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 704, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

29.6%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

42 years

Average age of members who matched this card or similar cards.

$99,769

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

1. Credit Cards
2. Insights
3. Seen Cashback Plus

Image: image

22

reviews

1.8

Rating: 1.8 out of 5.

Great for automatic credit limit increases

Annual Fee: $39 (you may see different offers on Credit Karma)

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Seen Cashback Plus or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $861, with $300 being the most common.

Here’s the average credit score of members who matched their Seen Cashback Plus or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 569, with 560 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

60.7%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

48 years

Average age of members who matched this card or similar cards.

$81,663

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

This offer is no longer available on our site: Macy’s Credit Cards

1. Credit Cards
2. Insights
3. Macy’s Credit Cards

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0

reviews

 

Rating: 0 out of 5.

Annual Fee: $0

The average credit score for members who have matched with this card or similar cards is 699

The average credit limit for members who have matched with this card or similar cards is $2,095

Here’s the average credit limit of members who matched their Macy’s Credit Cards or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $2,095, with $600 being the most common.

Here’s the average credit score of members who matched their Macy’s Credit Cards or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 699, with 821 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

29.9%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

53 years

Average age of members who matched this card or similar cards.

$103,784

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

1. Credit Cards
2. Insights
3. Capital One Venture Rewards Credit Card review: A strong pick for simple travel rewards

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73

reviews

4.3

Rating: 4.3 out of 5.

Editors’ Take: The Capital One Venture Rewards Credit Card offers a high rewards rate on all purchases and straightforward redemptions. It’s a great choice for those who want travel rewards without complicated schemes and systems.

Great for high flat-rate travel rewards

Annual Fee: $95

The average credit score for members who have matched with this card or similar cards is 715

The average credit limit for members who have matched with this card or similar cards is $17,531

Explore more about this card:

• Pros and cons
• In-depth Editorial review
• Member reviews

Here’s the average credit limit of members who matched their Capital One Venture Rewards Credit Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $17,531, with $5,000 being the most common.

Here’s the average credit score of members who matched their Capital One Venture Rewards Credit Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 715, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

25.1%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

41 years

Average age of members who matched this card or similar cards.

$122,916

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

Image: yes

Big sign-up bonus can help you cover the cost of your next trip

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Straightforward rewards program is easy to use
Earn miles on every purchase

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Global Entry or TSA PreCheck application fee credit

Image: Con

Annual fee could eat into rewards for cardholders who don’t spend much

Image: Con

Airline transfer partners leave a lot to be desired

Image: Con

Other travel rewards programs offer more bang for your buck

Is the Capital One Venture Rewards Credit Card Credit Card worth it?

Editors’ Take: The Capital One Venture Rewards Credit Card offers a high rewards rate on all purchases and straightforward redemptions. It’s a great choice for those who want travel rewards without complicated schemes and systems.

The Capital One Venture Rewards Credit Card is a good fit for people who want to earn simple travel rewards for everyday purchases without shelling out for a massive annual fee.

You won’t receive some of the noteworthy benefits that more expensive premium rewards cards might offer, such as lounge access, but you’ll have the opportunity to earn lots of ongoing value.

Capital One Venture Rewards Credit Card at a glance

• Sign-up bonus: 75,000 miles after spending $4,000 on purchases during the first 3 months from account opening
• Editors’ estimated welcome bonus value: $833
• Standout benefit: Get up to a $120 credit for Global Entry or TSA PreCheck
• Standout rewards rate: 2 miles per $1 spent on every purchase
• Foreign transaction fee: None

Capital One Venture Rewards Credit Card best perks and features

Rewards could help pay for your next trip

The Capital One Venture Rewards Credit Card has a solid sign-up bonus of 75,000 miles after you spend $4,000 on purchases during your first 3 months after opening the account. We estimate that welcome bonus to be worth around $833, according to our standard point valuations.

You’ll also be able to earn miles for future purchases:

• 5 miles for every $1 spent on hotels and vacation rentals booked through Capital One Travel
• 5 miles for every $1 spent on rental cars booked through Capital One Travel
• 2 miles for every $1 spent on all other purchases

Straightforward rewards program is easy to use

The Capital One Venture Rewards Credit Card offers one of the most effortless rewards programs around.

If you prefer simplicity, you’ll appreciate that you don’t have to spend time planning out your purchases to maximize your rewards — just pay with your card to earn a high flat rate on everyday purchases.

Redeeming your miles is just as simple. You can book your trip through Capital One’s website or make your travel purchases first and then go back and ask to be reimbursed with a statement credit within 90 days of your purchase.

Travel perks could make a more pleasant trip

The Capital One Venture Rewards Credit Card offers perks that could make for a smoother travel experience.

For example, you’ll receive a statement credit up to $120 when you apply for Global Entry or TSA PreCheck.

You’ll also receive a $50 experience credit every time you book a stay with Lifestyle Collection vacation rentals.

What are the drawbacks of the Capital One Venture Rewards Credit Card?

The perks don’t clearly cover the fee

The Capital One Venture Rewards Credit Card doesn’t have as many perks as some other travel cards with similar fees. That means there’s no clear way to get value for the $95 annual fee without spending.

That’s fine, but you need to know that going in and accept that the value comes from spending.

Limited range of transfer partners

The Capital One Venture Rewards Credit Card has a number of transfer partners — but unfortunately, there are no U.S. airlines to choose from. Unlike some programs with transfer partners, you’ll only be able to transfer your points to international-based airlines.

Still, compared to redeeming through Capital One, you might be able to get much better value by transferring your miles to a partner to travel internationally. But depending on your travel experience, it might require you to go outside of your comfort zone.

How to redeem miles for Capital One Venture rewards

Capital One Venture rewards miles are best used toward travel.

We calculated that your miles are worth 1 cent each when redeemed through Capital One.

But you might get a better value if you redeem through a Capital One transfer partner. Depending on how you redeem, we estimate points to be worth 1.11 cents each for typical cardholders, based on Credit Karma’s standard point valuations.

Other cards to consider

• Capital One Venture X Rewards Credit Card: This card is good for travelers who want more benefits and rewards for using their card to book flights.
• Capital One Savor Cash Rewards Credit Card: This is a nice complimentary card for people who also want to earn rewards at restaurants and grocery stores.
• Capital One VentureOne Rewards Credit Card: This card may be a good option for frequent flyers who don’t want to be locked into one particular airline.

This offer is no longer available on our site: Bank of America® Premium Rewards® credit card

1. Credit Cards
2. Insights
3. American Express Platinum Card® review: An expensive but valuable coupon book

Image: image

297

member reviews

3.9

Rating: 3.9 out of 5.

Editors’ take: The seemingly endless list of benefits makes the American Express Platinum Card® the coupon book of credit cards. If you use enough of the perks, you’ll get unparalleled value, even with the high annual fee.

Image: hands-thumbs-up

Great for maximizing your credits and perks

Image: cash

Annual fee: $895

The average credit score for members who have matched with this card or similar cards is 712

The average credit limit for members who have matched with this card or similar cards is $16,037

Explore more about this card:

• Pros and cons
• In-depth Editorial review

Here’s the average credit limit of members who matched their American Express Platinum Card® or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $16,037, with $5,000 being the most common. The American Express Platinum Card® does not have a traditional credit limit and was compared to similar premium cards.

Here’s the average credit score of members who matched their American Express Platinum Card® or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 712, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

Image: low-utilization

25.7%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

The American Express Platinum Card® does not have a traditional credit limit; utilization for this card is not calculated the same as cards with credit limits.

Image: meetup

41 years

Average age of members who matched this card or similar cards.

Image: cash-give-1

$120,851

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

Image: yes

Big welcome bonus

Image: yes

Plenty of interesting travel and lifestyle credits

Image: yes

Lots of airline and hotel transfer partners

Image: Con

Expensive annual fee

Image: Con

Statement credits come with strings attached