Indigo® Platinum MasterCard®

Approval Odds

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2.7 out of 5 stars
15 Reviews

From Cardholders in the last year

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Application Process

2.5 out of 5 stars

Customer Service

2 out of 5 stars

2.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee $0-$99
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 23.90%*

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. Before applying, you can get pre-qualified without affecting your credit score, so you can get a better idea of whether or not you’ll be approved. As a fun bonus, the card also comes with a few different card designs that you can choose between.

Look Out For

Depending on how strong your credit is, this card could 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.


Most Helpful Positive Review

Dec 12, 2016
approved despite lousy credit score
NaninMichigan Cardholder

I applied online after CK said my chance of being approved was Good. My credit score is lousy, about 550, but my credit payments are 100% perfect. I have several credit cards, some maxed out, and a car loan, and a trailer loan. I was approve instantly for this card, low $300 limit, but it will improve my credit score over time.

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Most Helpful Negative Review

Feb 17, 2017
Katiejg Cardholder


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These reviews were written by current and former cardholders in the last year.

Mar 16, 2017
High Fees, High Interest
Aame2012 Cardholder

I applied through CreditKarma, and was approved for a $300 limit. 557/548 CreditKarma scores. I wish I realized before I applied that this card does not give credit line increases. $75 annual fee billed immediately. Other annual fees too. PAY ONLINE and pay BEFORE the due date, and you should have no issues. I guess it's not horrible if you're desperate to rebuild your credit, and don't want a secured card. Good luck! 

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Mar 13, 2017
Credit Rebuilder
gagb1967 Cardholder

It is a classic rebuild credit card. No different than others. High Fee, High interest. I pay through my bank's bill pay and the payment is posted next day, 2 days most. Pay in full, pay through your bank, and you will have no problems.

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Mar 06, 2017
Okay card
barango92 Cardholder

I got approved for this card with a $300 limit, and I had about a 530 credit score. With such a low limit you have to use it very responsibly, and they do not offer credit line increases which I did not notice when I first applied. There is also a $75 starting fee, as well as, annual fees. I would say this is a card to get if you are desperate, and do not want a secured card.

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Mar 05, 2017
Anonymous Cardholder

Charged a late fee after making a payment. Couldn't make a payment online, called customer service about the issue, had to ask to make my payment. Gave all of my information and authorized a payment. After a week nothing was taken out of my bank, checked on account to only find out I was charged a late fee. Called about issue, waited an hour to be told there was an error on my account and a supervisor would call me, never got a call back. Over a week later called back to pay off account and close it. Told late fee would be removed. Another week later payment actually processed but late fee still on account. Called back waited ten minutes, instantly asked for a supervisor and got hung up on. Called again, waited another ten minutes to get another guy in customer service who wouldn't let me speak with a supervisor. Customer service is terrible, closed the account in a month, this whole card is a joke. Initial fee is $75 and then annual is $99, monthly payment is higher than any of my other cards and they make it impossible just to make a payment. Wouldn't recommend this to anyone, better off paying a deposit for a secured card than opening this card.

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Feb 17, 2017
Katiejg Cardholder


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Feb 13, 2017
CheapDiva Cardholder

Got approved for this card while in the 580's on TU and EX approved for $300 got the card in the mail and couldn't active it. ???? Called customer service and was told they needed my social to active the card? WTF! They needed me to file out something and mail it in to confirm my social BUT they were already reported the card to the credit agencies... smh. I closed the account and never used this card. The end. 

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Feb 03, 2017
great card
Anonymous Cardholder

no problem with the card 

if u have no choice  to  help with  credit   get this card 

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Jan 25, 2017
d4amenace Cardholder

I have had this card for over 6 months.  They claimed I needed to fax over my drivers license to verify my date of birth so I could register for online access.  I did so in the first week. Then the second month. Then 5 months later. Still they claim they have not received my documents.  These "so-called" people are the biggest pieces of **** I have ever had to deal with.  Who witholds the ability to access your online account for no reason?  Why does it take 2 weeks to receive a faxed document and verify it.  I literally have run up the card and threatened to never make another payment until they allow me to access my account online!  Sound extreme?  You bet your *** it's extreme!  These are the type of dumb ****s we are dealing with.  Go on....get this card and see if you aren't ready to burn it after a month of having to call in to check your balance and having to wait on hold just to hear your recent transactions from an live operator. literally CANNOT get your recent transactions from the automated system!  You have to speak to a live agent after holding for 5 minutes....every time!  For the life of me I do not understand why this company would put their customers in the mood to curse out every agent they speak to.  I forced the agent to note in my account my literal vitriole and the fact that I would let the **** card go into collections if they didn't give my account access online.  I have my life....experienced this kind of anger for something so petty.  I hope this bank folds and all it's employees go to prison......even the ****ing janitor!

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Feb 06, 2017

I received a prompt to apply, but now thanks to you feedback, I won't be! Your honesty is appreciated. Thanks for the heads up. Hope things get better for you with this company

Feb 18, 2017

**** man thanks, I just got one for 300$ but luckily I'm only using it to boost credit limit. I'm going to cut that **** into a million pieces

Feb 21, 2017

Fantastic post, thanks for the heads about these shady people, and for the laugh. I feel your pain brother lol

Mar 17, 2017

LOL! My husband received an invitation a few years ago, and I expressed the same hate as I saw the fees, and shredded the application. Honest and hilarious post; thank you for sharing and warning others!

Jan 13, 2017
Counter productive to helping your score
JRVSATX Cardholder

$40 month fee... Start up fee of $35... $40 monthly fee though... I canceled it because you start out negative $75. I didn't activate it so I canceled it.

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Dec 20, 2016
Good to start, that's it
mysbloom Cardholder

I was using this card to help rebuild my credit. I paid on time for 6 months and inquired about a creidt increase. It does NOT have one. Your credit amount will never go up. Also to add an authorized user they charge $25 dollars. The customer service was not sure of the questions that I asked and had to find out if there was a creidt increase and if I would be charged for an authorized user.

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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.

† 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 and typical low score to the 5th 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 June 2014 through November 2014. 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.

Indigo® Platinum MasterCard®