Indigo® Platinum Mastercard® Credit Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of Indigo® Platinum Mastercard® Credit Card
40 Reviews
Consumer Rating:

Apply Here 3.4
Average Score:

Fees and Rates
Fees and Rates

Annual Fe: $0, $59 or ($75 for 1st year and $99 thereafter)

APR: 24.9%*V
Editor's Review
Editor's Review

This card has a very reasonable annual fee and unlike other subprime cards, they do not charge any one-time application or processing fee and monthly fees. This is a very reasonable unsecured credit card to get if you are a rebuilder. Prior Bankruptcy is Ok with them and they will also not check income.

Furthermore, you can first check if you are pre-approved before applying. Checking for pre-approval does not involve a hard pull (only a soft pull).

The average score for those approved for this card is 611 (according to cardholders reviews below).

See full review here

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Credit Score: 659 Credit Limit: 300 Age: 65+
Posted 06/18 2020
Overall Rating:
I'm just grateful to have a cc. They gave me a chance.....
Credit Score: 680 Credit Limit: 300 Age: 55-64
Posted 04/11 2020
Overall Rating:
Stay away!! Been a customer for 3 yrs, pay off my balance before payment is due. Called today to see if they could lower the annual fee, and how to get a credit limit, was told they don't lower fee and will send letter regarding credit limit increase. I asked, why I couldn't get a increase I have been a faithful customer for 3yrs? Was told they don't do credit limit increases. So if it at all possible don't get this card. Best cards are Capitalone and creditone. They give increases very quickly. Not sure if worth dropping card, for fact it can hurt credit score.
Credit Score: 0 Credit Limit: 0 Age: 65+
Posted 03/31 2020
Overall Rating:
Rebuilding ... for others Advice -- pay off, keep open for crefit score increase. Then close before $99 annual fee. Try Cap 1
Credit Score: 635 Credit Limit: 300 Age: 45-54
Posted 03/06 2020
Overall Rating:
Credit is good got the card when credit was a little low but I had this card for 3 years now and had never got a credit line increase for that I say this card sucks and milestone as well they both the same company when I got them both
So please don’t go for this card unless you are in need of 201.00 as of 15 days from the day you get approved
Annual fee of 99.00 it’s way to much
Credit Score: 25 Credit Limit: 300 Age: 45-54
Posted 03/02 2020
Overall Rating:
my credit score is 640 i have this card for a year, today they charged 99 dollar annual fee first year was 75 but this company is total scam they rip you off and never increase your credit line Im gonna pay off and cancel the credit card customer service sucks .
Credit Score: 602 Credit Limit: 300 Age: 45-54
Approved 1 month after Bankruptcy
Posted 02/16 2020
Overall Rating:
literally just got bankruptcy discharge a month before. like most this is the only card that would approve me. 75 dollar fee sucks with a 300 dollar limit but needed something to reserve hotels or car rentals. good way to start rebuilding but from what I've read they never give credit increases.
going to use for a year than cancel before the next 99 dollar fee.
Credit Score: 580 Credit Limit: 300 Age: 35-44
Posted 11/11 2019
Overall Rating:
Credit Karm prequalified me for this card even though the pre approval site kept sending me to secured cards. Luckily if you apply through CK it bypasses that I was approved which is as it should since I have a few other rebuilders (CapOne, Walmart, CreditOne). Will have this for a year then close when I move onto the higher tier.
Credit Score: 680 Credit Limit: 0 Age: 18-24
Approved NA after Bankruptcy
Posted 10/03 2019
Overall Rating:
They may not charge a monthly fee, but they do charge an annual fee of 99.00. So you will need to watch out for those of you who rack up the purchases as this will make you go over your limit. You will start out with a low limit, then after about 1 year a credit limit increase. Your score does not have to be 611 to qualify. This is based on the information you give and other credit cards you have. Credit utilization matters with every issuer. You may have a 700 credit score and max out your cards one month and you will not receive this card.
Credit Score: 632 Credit Limit: 300 Age: 35-44
Posted 05/23 2019
Overall Rating:
I got this card along with 2 other cards when my credit score was 572. I like the card. But, they do not offer CLI. For this reason I do not use the card often. Next year I think I may close the account.
Credit Score: 550 Credit Limit: 500 Age: 55-64
Posted 01/12 2019
Overall Rating:
Credit score can be better I'm working at it every day can prove it
Credit Score: 654 Credit Limit: 300 Age: 55-64
Approved 5 months after Bankruptcy
Posted 12/20 2018
Overall Rating:
Do to medical I filed for bk.last year! Since that time I have a CL of $3000. In my research also used credit karma! I was able to get cap one 0 annual fees, also cap one quick silver,also credit one and indigo with a small $300 CL. Called customer service to complain about the annual fee told them to keep their card they waved the fee! So I kept the card never used it! Like my other cards I only use what I need and pay them off monthly!! To keep score climbing I have 5 credit cards within a year of bk! If you practice this it won't take long to build your credit!! So yes food card payoff before payment is due you won't pay interest! I do this with all my cards!
Credit Score: 647 Credit Limit: 300 Age: 45-54
Posted 12/19 2018
Overall Rating:
This card is not bad. I have an annual fee; I believe it is about $59. The only complaint I have is how slow the credit increases or maybe it doesn't. I am trying to get to a 700 credit score, and an increase would certainly help. I have made payments consistently, and have paid this credit card off completely twice, and it is still $300. It is the only credit card I have that has never increased.
Credit Score: 624 Credit Limit: 300 Age: 18-24
Approved 2 Years after Bankruptcy
Posted 11/29 2018
Overall Rating:
After reading all of the reviews, I see most people get approved for a $300 CL. That's what I got and I wish there was an option to apply for a CLI.
Credit Score: 500 Credit Limit: 300 Age: 45-54
Posted 10/26 2018
Overall Rating:
My credit card line with indigo is $300 I need to raise my line of credit I will take what ever you give me thank you
Credit Score: 560 Credit Limit: 300 Age: 45-54
Posted 08/10 2018
Overall Rating:
Low limit with annual fee but it is one of the few unsecured cards that i could get. Hate that they don't offer CL increases though so I probably won't keep them more than a year or two.
Credit Score: 586 Credit Limit: 300 Age: 45-54
Posted 09/15 2017
Overall Rating:
Trying to improve my credit score and this is always suggested by credit sesame for a $300 limit. I have a 586 score and in very good payment history with my other 2 credit cards, car loan and 2 department store cards. I kept having problems with them processing my payments. Therefore i was put on block REALLY and charged fees and reported late. Customer service is poor and this was a waste of time and something i will have to take the hit for, told to close my acct. Asap! Never again.
Credit Score: 620 Credit Limit: 300 Age: 25-34
Posted 01/05 2017
Overall Rating:
I have been rebuilding my credit for the last year and a half. I already have a couple of secured cards and also a Fingerhut account. I applied and was actually denied by Credit One so I gave this card a shot and got approved. My annual fee is $35. About 8 months after I got the card, my scores are up to 670. I think this is a combination of me getting another trade line and sparingly using my available credit.
Credit Score: 584 Credit Limit: 300 Age: 25-34
Posted 09/14 2016
Overall Rating:
I actually got rejected by First Premier! So thankful I got approved for this one. And it appears that the fees are lower than FP. So I guess this is a blessing in disguise. CL was $300.
Credit Score: 638 Credit Limit: 300 Age: 35-44
Posted 09/13 2016
Overall Rating:
Am giving this a 3 star because they approved me where others have not. But there is an annual fee but at least no monthly fee that others have. I plan to keep this for maybe 18 months and hopefully by then, I could get a no annual fee card.
Credit Score: 515 Credit Limit: 300 Age: 35-44
Posted 09/10 2016
Overall Rating:
score was 515
CL - $300
Credit Score: 660 Credit Limit: 500 Age: 25-34
Posted 09/05 2016
Overall Rating:
There appears to be lots of complaints about this card especially about the annual fees and how folks were not pre-approved for the unsecured version. As long as you read the terms and conditions, there should be no issues. There are a few versions of this card. The best being the one with no annual fee. If also have to pre-qualify. As long as you pre-qualify (soft pull), then you simply apply for the real thing.

Remember, this card is for rebuilding. Use only about 20% of your limit and pay on time and in full. Your scores will increase if you follow this practice.
Credit Score: 548 Credit Limit: 300 Age: 35-44
Posted 09/01 2016
Overall Rating:
Actually got an offer in the mail. So I did some research and many folks on credit karma also got similar offers saying they pre-qualified but when they went online to fill out the online forms, they got secured card offers instead.

So I decided to apply online and said to myself that if they sent me to the secured card page, I'll just skip it because I already have the Cap One. What I was looking for was for an unsecured card. Thankfully, I got taken to the unsecured page and got approved.
Credit Score: 580 Credit Limit: 300 Age: 35-44
Approved 1 year after Bankruptcy
Posted 08/30 2016
Overall Rating:
I did quite a bit of research on credit cards since I was recovering from BK and need to rebuild. One consistent theme about this card is that most sites say they are BK friendly. So I decided to give it a shot. Went through the pre-qual and got approved. For that, I give them a 4-star.
Credit Score: 600 Credit Limit: 300 Age: 25-34
Posted 08/27 2016
Overall Rating:
Did the pre-qual thing and got approved for the unsecured version. Couple of other friends also got approved. Score was only 600 when I applied.
Credit Score: 640 Credit Limit: 300 Age: 25-34
Posted 08/27 2016
Overall Rating:
I already got the Cap One Platinum before I got this card. I simply wanted to increase my number of lines and also my absolute CL in my report. It really is not the best card but when you are a rebuilder, you just accept what you get approved for.
Credit Score: 684 Credit Limit: 600 Age: 25-34
Posted 08/25 2016
Overall Rating:
Got the no annual fee version with a $600 CL. Have to say that was a little surprise.
Credit Score: 546 Credit Limit: 300 Age: 35-44
Posted 08/23 2016
Overall Rating:
Have mixed feelings about this card. There is only an annual fee compared to others like First Premier. But after months of having this card, I still have not gotten any credit increase. With my Credit One, I got an increase from $300 to $600 after 4 months. Also got increases on my Fingerhut account. So I am a little disappointed in this aspect.
Credit Score: 538 Credit Limit: 300 Age: 45-54
Posted 08/13 2016
Overall Rating:
Had to close business. Credit got dinged so I am in the rebuilding phase. Chose this card because according to my research, the fees are reasonable compared to others. Score was in the low 500s when I got approved.

Actually, I've read a few forums where folks did not even get pre-approved and got routed to a page with secured card offers. Thought it might happen to me but luckily I got approved. Limit was merely $300 but I guess I have to start somewhere.
Credit Score: 587 Credit Limit: 300 Age: 25-34
Approved 9 Months after Bankruptcy
Posted 08/07 2016
Overall Rating:
Got this card 9 months after BK. Never thought it would happen so soon. Glad I now have an "unsecured" card. Hope to graduate to a no annual fee card within the next 2 years.
Credit Score: 614 Credit Limit: 300 Age: 35-44
Posted 07/27 2016
Overall Rating:
Before I got this card, I've read that many folks got mails saying they are pre-approved but when they actually get to the site, they are not approved and taken to a page with secured card offers instead. I guess fortunately for me, I got approved, but with a low limit of $300.
Credit Score: 637 Credit Limit: 300 Age: 35-44
Posted 07/15 2016
Overall Rating:
Score was 637 when I got this card just recently. Reason of me choosing this is the "relatively low annual fee" compared to others. That is why I am giving this a 3 star. Have had no experience with customer service yet. Gave a 1 star for benefits cos there are no real rewards or anything with this card.
Credit Score: 645 Credit Limit: 300 Age: 35-44
Posted 07/12 2016
Overall Rating:
yup - credit was trashed and trying to rebuild. Not the best card out there but certainly not the worst. Read a lot about cards like Surge, First Premier, Verve and finally settled on this.
Credit Score: 687 Credit Limit: 300 Age: 45-54
Posted 07/11 2016
Overall Rating:
Have had a couple of secured cards for about 3 years and finally decided to get an unsecured card. Was approved for $300 and an annual fee. The reason I chose this card was because others seem to have application fees and a monthly fee on top of an annual fee.

With my secured cards, I always used only 20$ of my credit limits and paid them off every month. That probably explains why I got approved and many others with similar scores as I have not.
Credit Score: 590 Credit Limit: 300 Age: 35-44
Approved 3 weeks after Bankruptcy
Posted 07/01 2016
Overall Rating:
Just got discharged from BK7 a few weeks ago and needed to rebuild my credit. Got through the pre-approval and was finally approved for this card.
Credit Score: 610 Credit Limit: 300 Age: 35-44
Posted 06/26 2016
Overall Rating:
Credit score went into a free fall after my job loss. This was one of the few cards that took a chance on me so I am grateful. What I like is that it is just one simple annual fee. I make it a point to send my payment way in advance.
Credit Score: 610 Credit Limit: 300 Age: 35-44
Approved 1.5 years after Bankruptcy
Posted 06/25 2016
Overall Rating:
Got this after 1.5 years from BK. Hate the annual fees but from what I gather, this is better than others out there. Let's see how long before my score edges up to 700.
Credit Score: 644 Credit Limit: 300 Age: 25-34
Posted 06/14 2016
Overall Rating:
Got approved for $75 annual fee version with $300 line. Decided to get this card because it appears better than other cards like Total, Surge and FP. Have not had a chance to speak to CSR so just gave it a 4 star rating for not having outrageous fees.
Credit Score: 625 Credit Limit: 300 Age: 35-44
Posted 06/07 2016
Overall Rating:
Applied and got approved for $300 limit and a $59 annual fee. The fees appeared in the first statement and the minimum was $40! But I've read the terms and conditions and everything was as expected - no surprises. So far, I have had no experiences with customer service.
Credit Score: 600 Credit Limit: 300 Age: 25-34
Posted 06/05 2016
Overall Rating:
My score was at about 600. And I got an invitation by mail. I gave it a shot and was surprised to get approved. Was happy that there was no upfront deposit required.
Credit Score: 675 Credit Limit: 500 Age: 25-34
Posted 05/30 2016
Overall Rating:
There are actually a few versions of this card. There apparently is a $0 annual fee version (saw it on the app page). I got the one with $59 annual fee. Not too happy with the CL. But I guess this card is better than others like Surge and First Premier. I hope to be able to get a no annual fee card in the next 18 months.
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