Indigo® Platinum MasterCard®

Apply now
  • Less than perfect credit histories can qualify, even with prior bankruptcy!  
  • Choose your custom card design - Free  
  • Account history is reported to the three major credit bureaus in the U.S.  
  • Fast and easy decision on your application  
  • Access your account online or from your mobile device 24/7  
  • Protection from fraud, if your card happens to be lost or stolen   
  • Accepted nationwide wherever MasterCard is accepted 
Annual Fee:
$75 - $99
Purchase Intro APR:
N/A
Purchase Regular APR:
23.90%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
N/A

Details, Rates & Fees

Click here for Additional Details

(Will launch in a new browser window)

* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 29.90%
Cash Advance Fee See Terms*
Late Fee Up to $38
Penalty APR 29.90%
Balance Transfer Fee N/A
Foreign Transaction Fee 1%
Return Payment Fee Up to $38

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Anonymous
Adequate for credit building
by Anonymous
Helpful to 253 out of 264

For the most part the bad reviews that I'm reading are from people who CLEARLY did not read any of the account disclosures it gives you to read before you apply and/or don't understand how credit cards work ex: if you have a $300 credit limit you can't pay them an extra $700 and make it $1,000 credit limit. Credit cards don't work that way, no credit card works that way so if that's what you're complaining about it's not really the company's fault. Yes the interest rate is crazy high, yes there is an annual fee, yes it's a low credit limit that can't be raised, yes if you're one second late for your payment you're going to get late fee. Get this card, use it responsibly, don't wait until the last minute to make payments. Oh and if you apply for the card you need to be aware that if you don't get a bill in the mail and you don't set up your online access or you can't set up your online access you are still responsible for the money you owe including the annual fee!!! This is not a scam this is how low credit limit credit rebuilding cards work. The only real complaint I have is the sometimes long hold times if you call customer service.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Dvlpwr30
Stop complaining
by Dvlpwr30
Helpful to 989 out of 1054

Jeez all of you complaining saying it's a scam...Get over yourselves already...This is a card to rebuild credit that's it's sole purpose...Get it pay it on time then apply for a better card..When you have bad credit this is what you are stuck with...I have 3 cards Capital One ,Credit One & Merrick Bank..Not once have I had any issues with payments or customer service...All 3 of these cards have helped me tremendously..Try Merrick Bank they gave me a card with 500.00 limit to start paid on time for 7 months & they raised it to 1000.00..


Our Take

If you’re looking to build your credit, the Indigo® Platinum MasterCard® could be a good option.

What to Like

The Indigo® Platinum MasterCard® is geared toward consumers who are looking to build their credit. As a fun bonus, the card also comes with a few different card designs that you can choose between.

Look Out For

This card will come with an annual fee. There’s also a relatively high APR and a Penalty APR that the issuer can apply if you miss a payment.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from March 2017 through August 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

My Saved Cards
Title
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.