Indigo® Platinum Mastercard® Credit Card

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

Apply Here 3.5
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).

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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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