Indigo® Platinum Mastercard® Review

Rating as of Aug. 16, 2018 based on a review of services October 12, 2021.

CREDIT SCORE REQUIREMENTS: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. If you don’t know your credit score, use our free credit score estimator tool to get a better idea of which cards you’ll qualify for. *Money Under 30 uses a FICO 8 score, which is one of many different types of credit scores. *A creditor may use a different score when deciding whether to approve you for credit. ?
  • Poor/
  • Fair
Poor 500-599
Fair 600-699
Good 700-749
Excellent 750-850
Our Bottom Line:

The Indigo® Mastercard® Credit Card offers consumers with poor credit the opportunity to use a credit card for everyday spending. Pre-qualification is quick and easy and if you have the credit profile needed, you might be able to secure a credit card with no annual fee. ($0 – $99 annual fee).

Intro APR Purchases N/A
Intro Term Purchases N/A
Intro APR Balance Transfers N/A
Intro Term Balance Transfers N/A
Regular APR 24.9%
Annual Fee $0 - $99
  • 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.
Editor's Note - You can trust the integrity of our balanced, independent financial advice. We may, however, receive compensation from the issuers of some products mentioned in this article. Opinions are the author's alone. This content has not been provided by, reviewed, approved or endorsed by any advertiser, unless otherwise noted below.

The Indigo Platinum Mastercard offers a lot for a poor credit score credit card. With Mastercard® Platinum benefits and the possibility of a $0 annual fee, this credit card is a great product to consider.
If you’re looking for an excellent rewards credit card, you’ve come to the wrong place. The Indigo® Mastercard® offers no rewards program at all. Instead, this card has a very specific purpose—to help you rebuild or establish good credit.

If this is your aim, you can get a lot of value out of the Indigo® Platinum Mastercard®. Add to that some Mastercard® Platinum Benefits and the possibility of a $0 annual fee, and this credit card is a great choice. Most of all, the Indigo® Platinum Mastercard® accepts applicants with credit scores even below 600, so if you are struggling with poor credit, this is the card for you.

Indigo® Platinum Mastercard is best for

  • Anyone with a credit score of 600 or lower
  • Someone having trouble getting approved for a credit card
  • Students with no credit
  • Anyone else who hasn’t built up enough credit to qualify for a line of credit

Indigo® Platinum Mastercard Overview

Looking for a credit card that will approve you despite having had bad financial luck in the past? Need a small line of credit to start building your credit history? If either of those scenarios describes your current financial status, then the Indigo Platinum Mastercard could be a great match for your needs.

Issued by the Celtic Bank, which is based out of Salt Lake City Utah, the Indigo Platinum Mastercard caters directly to those individuals with poor credit. Whether from irresponsible spending in the past or a simple lack of credit history, your low credit score won’t be a problem with this card issuer.

The Indigo Platinum Mastercard also comes with a few added benefits like roadside assistance and price protection on new purchases, so you can even enjoy a few perks while building up your credit.

Indigo® Platinum Mastercard Key Features

Apply Now On the Secure Website
  • Pre-qualification available
  • Fast response time
  • Bankruptcy applicants accepted
  • Reporting to all three major credit bureaus
  • Mastercard Platinum Card Benefits

Taking a Closer Look At Indigo® Platinum Mastercard

One way to build credit is to take out a secured credit card. Another way to start building your credit is to use a low credit score card that offers you the opportunity for easy approval and credit building leverage. The Indigo Platinum Mastercard is exactly that type of credit card, and if you are struggling with a low credit score, this is the review you should be reading.

Quick, Easy Application Process

Application for this card is fast and easy. In fact, that’s one of its strong points. The online application form is a few simple questions. Have your information ready (bank account information, employment records, social security number, etc.), and you can be done in about a minute. As long as you’re 18 years of age or older (19 in the state of Alabama) and have not submitted a pre-qualification request with Indigo in the last 60 days, you can submit a request for the Indigo Platinum Mastercard. Once you apply, you can receive a response in as little as a minute.


Before you’re approved for the Indigo Platinum Mastercard, you can run a pre-qualification application. This tells you whether or not you’re likely to be approved for the card. Why would you do this instead of proceeding straight to the application process? It’s all about the pull. Let’s explain.

Credit Check

When you apply for a credit card (or any other line of credit), the issuer will run a credit check. This is known as a credit pull, and it will lower your credit score slightly for a limited amount of time. For most people, a slight decline in credit score won’t make a significant difference, but for someone with poor credit, it can be a big deal.

The beauty of pre-qualification is that it shows you whether or not you are likely to be approved for the credit card (but doesn’t guarantee it) without pulling your credit, thus keeping your credit score status quo.

No Security Deposit

Another major benefit of the Indigo Platinum Mastercard is that you can get a line of credit without having to put down a security deposit (like you do with secured credit cards). This is beneficial because:

  • You don’t have to put down extra money as collateral. This is good for people with a limited monthly income.
  • Your credit limit can sometimes be higher with an unsecured credit card.
  • Your spending won’t be marked as using a secured credit card, something that can raise flags for some financial institutions.

Next on the positive side of this credit card, is the fact that it reports to the three major credit bureaus (Equifax, TransUnion, and Experian). Reporting to the credit bureaus is how you’re going to establish a consistent record of on-time payments, and here’s how.

  • You make on-time payments to your credit card each month.
  • The Indigo Platinum Mastercard reports this activity to the credit bureaus.
  • The credit bureaus use this information to give you a credit score. Because you’re paying responsibly, your credit score will be higher. It’s like being rewarded for good behavior.
  • When credit card issuers look into your credit history, they will see this consistent repayment and be more likely to approve you for better cards such as rewards credit cards, lower interest rate cards, or special introductory cards.

So, credit bureau reporting is how you are going to get exactly what you want from this card in the first place.

Have Some Fun!

Finally, the Indigo Platinum Mastercard lets you have a little fun with customized card designs. Whether it’s lion cubs, a beach scene, or a sea of colorful waves, the card’s exciting custom designs add a real splash of personality to every purchase you make. Other card companies offer this feature, but they usually charge for the customization. It’s nice to get something for nothing once in awhile.

Indigo® Platinum Mastercard Rates & Fees

Nobody likes paying fees, but it is part of life. You can find other credit cards that don’t charge fees, but they’re generally reserved for individuals with excellent credit. That’s a goal to strive for, and by using low credit cards like the Indigo Platinum Mastercard, you can establish your credit so that you can one day be approved for more lucrative cards without these fees. In the meantime, here’s what you’re looking at in terms of rates and fees for the Indigo Platinum Mastercard:

Annual Fees

The Indigo Platinum Mastercard charges a range of annual fees starting at $0 and going up to $99. The potential for $0 annual fee (if your credit profile is fitting for these terms) makes the Indigo Platinum Mastercard stand out from other poor credit score cards.

If you get the $0 annual fee, you have everything to gain from this credit card. Alternatively, if you have to pay any of the other annual fees, you can still get the credit-building benefits of the Indigo Platinum Mastercard (which is why you’re applying in the first place), but we recommend paying off the fee immediately, so it doesn’t detract from your overall credit limit or add negatively to your debt to credit ratio.

Additionally, many people will receive a first-year annual fee waiver. That means you won’t have to pay any annual fee for the first year of owning the Indigo Platinum Mastercard. Since you’re only holding onto this card to build credit, it’s worthwhile for you to check your credit score at the end of the year. If it has improved enough to apply for another credit card, do so, and save yourself from having to pay an annual fee for the second year.


The Indigo Platinum Mastercard charges a flat rate of 23.9 percent APR. This runs about average for the poor credit score cards, though it’s not great in the wider credit card spectrum. However, the Indigo Platinum Mastercard offers cardholders a 25-day grace period, a stretch of time after the payment is due, but before which you will not be charged interest.

Smart cardholders will avoid having to pay the 23.9 percent interest rate by paying off their debts in full each month. Remember, you have almost a month in which to do this, so you can really take advantage of the grace period to secure your account.

Balance Transfer Fees

At the time of this writing, the Indigo Platinum Mastercard does not support balance transfers. If you’re looking to transfer the remainder of your debt from other credit cards, look into the best balance transfer cards.

Some of these have excellent balance transfer offers that will charge you no interest for the introductory period.

Penalty APR and Fees

The Indigo Platinum Mastercard has a stricter penalty APR than some cards, but a more flexible late payment policy than most. The penalty APR for missing a payment is 29.9 percent.

Naturally, you can avoid this charge altogether by keeping up with your payments each month. You only have to make the minimum payment amount in order not to be penalized, so timely payments are certainly in your favor. The late payment fee will be $40 per infraction UNLESS this is your first late payment in the last six previous billing cycles.  Then the fee is $28.

Foreign Transaction Fees

The Indigo Platinum Mastercard charges a one percent foreign transaction fee for any purchases made in a foreign currency. This is generous compared to the three to five percent that many other credit cards take.

Cash Advances

You can receive a cash advance from your Indigo Platinum Mastercard. It’s $0 during the first year; after the first year, either $5 or five percent of the amount of each transaction, whichever is greater (not to exceed $100).

Indigo® Platinum Mastercard Rewards & Benefits

The Indigo Platinum Mastercard comes with a few benefits that are pretty impressive for such a low range credit card. The Mastercard Platinum Card Benefits include things like:

  • Master RoadAssist services
  • Travel assistance services
  • Master rental insurance
  • Extended warranty coverage
  • Price protection

The Indigo Platinum Mastercard is also accepted at over 35 million locations around the world, so you can use it almost anywhere you go. The last thing you want is to be stuck in a foreign country without a credit card to back you up.


The Indigo Platinum Mastercard offers helpful security features such as:

Identity Theft Resolution Services

These services will help you in the event that your identity has been stolen. Indigo Platinum Mastercard will help you shut down accounts, fight fraudulent charges, and regain control over your life.

Zero Liability Insurance

You won’t be liable for any fraudulent charges made using your Indigo Platinum Mastercard in the event that it is lost or stolen.

Customer Support

The Indigo Platinum Mastercard has received some complaints about its customer service, but it seems to be making efforts to repair this downside. You can contact support via telephone, fax, or direct mail. You also have 24/7 account access via the online portal so you can take care of your account on your own and from anywhere.

Phone: 1-866-453-2636 or 866-946-9545

Fax: 503-268-4711

Snail Mail: Bankcard Services | PO Box 4477 Beaverton, OR | 97076-4477

Pros & Cons


  • You Don't Need Pefect Credit — You can be approved with poor credit.
  • Get Approved Quickly — Quick prequalfication process.


  • Costly Interest Charges — This card has a high standard interest rate.
  • High Annual Fees — This card has an annual fee of up to $99.

Is the Indigo Platinum Mastercard Right For You?

The Indigo Platinum Mastercard offers a lot for a poor credit score credit card. While there are better credit cards out there for those with bad credit ratings, they’re generally secured credit cards. If you don’t want the restrictions or the stigma attached to a secured credit card, the Indigo Platinum Mastercard is a great choice for anyone with bad or no credit to show for themselves.

The best way to get the maximum out of this credit card is to:

  • Pay your monthly balance on time each month
  • Understand the terms and conditions
  • Build up your credit until you have enough status to apply for a more exciting credit card

Following these steps, you can really maximize the Indigo Platinum Mastercard and get the most benefit out of it while still building a better credit report for yourself.

About the author

Sarah Pritzker
Total Articles: 8
Sarah Pritzker is a professional writer who specializes in financial markets and trends in the U.S. She grew up in Virginia, went to university in Boston, lived in New York City, and circumnavigated the globe with stops in San Francisco, Hong Kong, Thailand, Laos, Cambodia, Kenya, Uganda, Israel, and then back to the States. As a mom of 3, she's always looking for ways to save money - and is happy to share her finance research with the world. Connect with Sarah on LinkedIn