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Indigo® Platinum MasterCard®

Approval Odds

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3.0 out of 5 stars
3 Reviews

From Cardholders in the last year

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Application Process

2.5 out of 5 stars

Customer Service

1.5 out of 5 stars

3 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.


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

Jul 18, 2016
Great Unsecured Card - (score under 600)
PhillyGirl2 Cardholder

I received an invitation for this card via email.  My credit score was under 600 at the time but I applied anyway.  I got an immediate approved for this card.  I was shocked.  No deposit required.  The customer service is great and two of my friends also applied and were approved without deposits. 

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Jun 07, 2016
Good Rebuilder
TorryBachman Cardholder

I applied and it recommended the card, Approved for 300$ spending Limit. My card is on its way in the mail. Fees (if any) are right there and they are up front about it.  Do NOT rely on CK reccomendations, they are JUST recommendations. Not everyone they think will get a card will actually get a card, it is just a SUGGESTION. Treat it as such.   Remember your CK scores are not real FICO scores, they are Vantage 3.0.  Most lenders pull FICO scores.  

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Jun 06, 2016
Don't do it....
Anastasia2695 Cardholder

I applied for this card because CK suggested I do so to lower my credit utilization. I got approved for an unsecured card with only a $300 limit on it with a $59 annual fee that they automatically deduct from your balance before you get the card, then when I got the statement, the minimum payment is $40 even though it only has the $59 balance on it. I have no intentions on using this card. Even thinking about closing the account altogether. I notice that my CK score actually dropped after I opened the account.

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1 Reply
Jun 23, 2016

first off you dont understand how credit works. The average age of your accounts is an impact on your score. If you would read about this it would help you on tr long run vs posting negative opinion you obviously arent educated in because your mad at the moment.

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See Your Approval Odds Before You Apply

Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:

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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®