Indigo® Platinum Mastercard® Credit Card

Consumer Reviews, Fees, Credit Score, Application & Best Alternatives

Updated: Nov 23, 2020
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The Indigo Platinum Mastercard Credit Card is a card that can help you improve your credit score. Whether your credit score is bad, poor, or non-existent, using this credit card will enable you to start building it. The great news is that you can do it consistently because the issuer reports your payment history to all 3 major consumer credit bureaus in the U.S.

The issuer has moved the entire application process online, which is very convenient. Enter your information in the pre-qualification form, submit it, and wait for the response. You won't have to wait for long because the company goes through the applications very quickly. The card works like any other credit card. Use it to make purchases and make sure to pay your bills before the end of the payment period. If you do this consistently, you will improve your credit score easily.

Another great thing about this card is that it is a Mastercard. You can use it while traveling to make purchases, and they will still count towards your credit improvement efforts. The annual fee and variable APR are at industry average values. Considering that this card has very low requirements and that it reports to all three bureaus, it is an excellent opportunity for people with less-than-good credit scores.


See Terms*


24.90% (Fixed)*



497 User Ratings Indigo® Platinum Mastercard® Credit Card

at Celtic Bank Secured website

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Introductory APR
Intro APR Period
Minimum Credit Score

Key Features

  • 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.
  • Read the Review of Indigo Platinum Mastercard
$ 1 2020-11-29 InStock

Our Take

Indigo Platinum Mastercard Credit Card is a perfect card for everyday spending. Who Is This Card For? This card is designed to help consumers with poor credit get their hands on a credit card and use it to improve their credit. If you have no credit card profile whatsoever, you still might get this card because the requirements are ...

Indigo Platinum Mastercard Credit Card is a perfect card for everyday spending.

Who Is This Card For?

This card is designed to help consumers with poor credit get their hands on a credit card and use it to improve their credit. If you have no credit card profile whatsoever, you still might get this card because the requirements are very low.

How does this card help you build a better credit history? The issuer regularly sends reports of your purchase history and financial behavior to all three major consumer credit bureaus in the U.S., including Experian, Equifax, and TransUnion.

The Key Features

  • Online pre-qualification and application process
  • Fast pre-qualification and response time
  • Regular Mastercard benefits
  • Reports to all three major bureaus (Explained)

Credit Card Benefits

Are you familiar with the credit pull? When you apply for a credit card, the issuer will make an inquiry in your purchasing behavior, called a credit pull.

Getting declined hurts your credit score, which doesn't mean a lot to people with good credit scores as they can afford it. But, for people with poor credit scores, this hit is a huge one.

The most prominent advantage of this card is that the issuer makes a soft credit pull during the pre-qualification process. This practice doesn't reflect on your credit score. So even if you don't prequalify, your credit score will stay intact. Future issuers won't be able to see that you didn't qualify for this Indigo credit card.

Another advantage comes from the fact that Indigo reports to all three major credit bureaus. If you use this card regularly and pay your bills in time, you will be able to consistently improve your credit score across the board and appear as a trustworthy consumer to other credit card issuers.

A great thing about this credit card is that you can get it quickly. The pre-qualification process is simple, fast, and convenient. While some companies take weeks to respond to your application, this one will do it in a matter of days if not hours.

This credit card comes with handy security features. You will have access to identity theft resolution services. The services will help you if someone steals your identity. You can use the services to regain control over your life, sort out fraudulent charges, and immediately shut down your accounts.

Finally, this card comes with no security deposit requirements. You can apply for this card and get a line of credit without having to make a deposit. That's great news for people with limited monthly income as they don't have to put extra cash aside and put it down as collateral.

Using a card that doesn't require a security deposit will reflect better on your credit score. Some credit bureaus are known to raise red flags when a consumer is using a secured credit card.

Are There Any Disadvantages?

It's hard to talk about the disadvantages when someone offers you a credit card even if your credit score is poor or bad. But, there are specific things that you need to pay attention to if you decide to use this card.

Interest charges, for instance, are above the industry average. With a high standard interest rate, you have to be careful. These rates apply if you are late with your payments and can cause real troubles for your budget. It could also be a bad signal to credit bureaus and is really something that you want to avoid.

When it comes to annual fees, we didn't like the fact that it varies. After your application gets reviewed, you will be offered to pay a unique annual fee depending on your current credit profile.

Should You Use This Card?

You should definitely consider using this card if you have a less than perfect credit score. This card has low requirements and, more importantly, the issuer makes a soft inquiry into your credit history. It provides an opportunity to build your credit from scratch, get control of your financial life, and be in a better position when applying for cards with more benefits.

Read the Review of Indigo Mastercard credit card.


  • Low application requirements
  • The fast and reliable pre-qualification process
  • Online access to account
  • Reports to all three major credit bureaus


  • Annual fee above the industry average
  • High late payment fee
  • APR above the industry average

Basic Information

Issuer: Celtic Bank
Network: Mastercard®
Category: Consumer (Premium)
Review: Full Card Review
Common Uses:
  • EMV Chip Card
  • Starter Credit Cards
  • Unsecured Cards
  • No Credit / New to Credit
  • Damaged Credit
Rewards: No

Rates & Fees

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*

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Additional Info & Comments

*Depending on your creditworthiness

Q: What is the annual fee of the Indigo card?
A: The Annual Fee that you pre-qualify for will be determined based on the issuer's review of your credit profile. Not everyone will qualify for the lowest APR and/or Annual Fee. There are 3 Annual Fee/APR combinations right now:
(a) Annual Fee: $0; APR: 24.9%
(b) Annual Fee: $59; APR: 24.9%
(c) Annual Fee: $75 the first year, $99 thereafter; APR: 24.9%

Q: How can I contact the Indigo Card Consumer Service?
A: The Indigo correspondence address: Genesis FS Card Services | PO Box 4477 Beaverton, OR | 97076-4477
The Indigo toll-free customer service number: 1-866-946-9545

*The information provided for Indigo® Platinum Mastercard® Credit Card is believed to be accurate at the time of evaluation or recent update on November 23, 2020. However, we strongly advise visitors to review the card fees and Terms & Conditions on the 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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Indigo® Platinum Mastercard® Credit Card Reviews - (1 User Reviews)

Share your experience and review the Indigo® Platinum Mastercard® Credit Card
July 5, 2020
Income on Application
Credit Score
Good (670-739)
Credit Limit
File for Bankruptcy
Good card – want to apply
I have friends and family who have this card and have nothing but wonderful things to say about it.
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Indigo® Platinum Mastercard® Credit Card

Indigo® Platinum Mastercard® Credit Card

Min. Credit Required: Fair*