Indigo® Platinum Mastercard®

Oct 28, 2020
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Indigo Platinum Mastercard is a credit card that can help you regain your financial stability and build your access to credit. You can pre-qualify for this card even if you have bad, or poor credit. If you put this card to smart use, you may be able to start building your credit.

This card is serviced by Genesis FS Card Services and issued by Celtic Bank. It is a completely viable option for all those of you looking for an easy way to improve your standing with the credit bureaus. The credit card issuer will report your payment history to all three major consumer credit bureaus. If you make 100% on time payments, you may see your credit score go up.

The process for this card is straightforward. It is one of those pre-qualification cards where you need to submit your information to pre-qualify for the pre-qualification process. The bar is set very low, and the pre-qualification doesn't take long at all. If you are worried about any hard-inquiries made during the application process, don't. Indigo makes only soft-inquiries during the pre-qualification process which don't have an impact on your credit.


See Terms*


24.90% (Fixed)*



248 User Ratings Indigo® Platinum Mastercard®

at Celtic Bank Secured website

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Intro APR
Intro APR Period
Min. Credit Level

Card Details

  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.
  • Read the Review of Indigo Mastercard cards
$ 1 2020-10-29 InStock

Expert Review

Indigo Platinum Mastercard is not the number one option for people looking for good rewards credit cards with a lot of perks. Who Is This Card For? This card has a very specific purpose, and it can easily be one of the best starter credit cards on the market. Thanks to this card, people with poor and bad ...

Indigo Platinum Mastercard is not the number one option for people looking for good rewards credit cards with a lot of perks.

Who Is This Card For?

This card has a very specific purpose, and it can easily be one of the best starter credit cards on the market.

Thanks to this card, people with poor and bad credit scores can improve their credit without having to make a deposit. You will be able to gain access to credit without using a secured card.

This credit card can be a good fit for people facing some financial problems and not being able to get any other credit card, and who have prior bankruptcy.

The issuer sends reports about clients purchasing history to all three credit bureaus, thus allowing people to work towards improving or building a more trustworthy credit score.

With access to regular Mastercard perks, the possibility to get a low annual fee, and a low foreign transaction fee, you will get a lot of value with this card.

Let's take a close look at the key features and advantages/disadvantages of using this card.

The Key Features

  • Ultra-fast response time
  • Online access to the convenient pre-qualification process
  • Makes a soft inquiry into your credit history during pre-qualification
  • Mastercard perks and benefits
  • Reports to all three major consumer credit bureaus in the U.S.

Credit Card Benefits

The struggle with a lower credit score or no purchasing history at all is real. The chances of getting your hands on a good credit card are pretty slim. The main advantage of this card is that it is a low credit score card. If you are tired of getting rejected by issuers over and over again, this is exactly the type of credit card you've been looking for.

This card has many strong points, but we think that quick and easy pre-qualification is perhaps the strongest one. You can start the pre-qualification application process online. The form is very simple. All you have to do is fill in the required fields, and your application will be on its way to the issuer.

Pre-qualification will result in an inquiry into your credit history. Rest assured that it won't affect your credit score, nor will it show up in your history because it is a soft inquiry.

If the company's software can acquire all your data, you will receive a response in a matter of minutes.

This credit card is a Mastercard, meaning that it has huge support, and you will be able to use it even when traveling around the U.S.

As an Indigo Platinum Mastercard holder, you will also benefit from standard Mastercard perks, including:

Finally, the issuer doesn't require any deposit before issuing the card, which can be a huge deal for people who don't have extra cash to put down as collateral.

Are There Any Disadvantages?

This card comes with very few disadvantages that you can easily mitigate via smart card use and responsible behavior.

If you miss a payment, aside from a penalty APR, you will also be charged with the late payment fee, thus making your bill significantly larger.

Should You Use This Card?

Indigo Platinum Mastercard is an excellent option for people looking for an easy way out of a hard financial situation. With low requirements and regular reports to all major consumer credit bureaus, this card can help you get back financial freedom and acquire credit cards with more perks and benefits.

Read the Review of Platinum Indigo Mastercards.


  • Pre-qualification process results in a soft credit inquiry
  • Online account management
  • Reports to all three major consumer credit bureaus


  • High APR and late payment fee
  • The annual fee above industry average

Basic Info

Card Issuer: Celtic Bank
Card Network: Mastercard®
Card Category: Consumer (Premium)
Card Review: Full Card Review
Common Uses:
  • Instant Decision
  • EMV Chip Card
  • Unsecured Cards
  • No Credit / New to Credit
  • Pre-Qualification
Rewards Card: No
Understanding credit card basics and data can be confusing. We are here to help.

Finance & Rates

Introductory APR (%): N/A
Applied Towards: N/A
Intro Period: N/A
Regular APR: 24.90%
Regular APR Type: Fixed*
Annual Fee: See Terms*
Balance Transfer: No*
APR on Cash Advances: See Terms*
Grace Period: 25 days*
Late Payment Fee: Up to $40*
Understanding cards finance, terms and common credit cards rates can be complicated. We can help.

Indigo® Platinum Mastercard® - Alternatives & Comparison

Additional Information & Comments

*Depending on your creditworthiness

*The information provided for Indigo® Platinum Mastercard® is believed to be accurate at the time of evaluation or recent update on October 07, 2020. However, we strongly advise visitors to review the card fees and Terms & Conditions on card issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.
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Min. Credit Required: Poor*