What is the average credit score needed to get approved for the Indigo® Platinum Mastercard®?

To get approved for the Indigo® Platinum Mastercard®, you don’t need to have a credit history or score.

Is the Indigo® Platinum Mastercard® application process lengthy? Can you prequalify?

The application process for the Indigo® Platinum Mastercard® is fairly straightforward. It only takes a few minutes to determine whether you are pre-qualified. You will receive the card within 14 business days of approval.

What information is needed to apply for an Indigo® Platinum Mastercard®?

To start the Indigo® Platinum Mastercard® application, you simply need to supply a few personal details, including your Social Security number.

Does the Indigo® Platinum Mastercard® have good customer service or helpful information online?

On its website, Indigo doesn’t provide much information on the Platinum Mastercard. If you have any questions, you may contact their customer care at the number shown on their website.

Does the Indigo® Platinum Mastercard® have a mobile app or the option to pay or manage your account online?

Yes, Indigo accepts online payments and accepts a mobile app.

Does the Indigo® Platinum Mastercard® raise credit limits automatically or charge for limit increases?

No, it doesn’t. Your Indigo® Platinum Mastercard® credit limit is restricted to $300.

Does the Indigo® Platinum Mastercard® offer the option to freeze your credit/account or have other security features?

Indigo offers cards integrated with a microchip for added security. If your card is lost or stolen, you will have to contact their customer service to lock or freeze it.

Does Celtic Bank offer other credit cards besides the Indigo® Platinum Mastercard®?

Celtic Bank, the issuer of indigo Platinum Mastercard issues other credit cards like the Surge Mastercard credit card.

Indigo® Platinum Mastercard® Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Indigo® Platinum Mastercard®
A great card with global access to rebuild your credit
- NoneRewards Rate
- 29.9% VariableAPR
- $0–$99*Annual Fee
- Fair–GoodRecommended Credit
We found this card to be great for people who have less-than-perfect creditworthiness and wish to build positive payment histories.
All three major credit bureaus receive information about your payments to this card.
Plus, you might qualify even if you have filed for bankruptcy in the past.
Pros
Apply with less-than-perfect credit
Possibility of no annual fee
Choose your card's design at no extra cost
No cash advance fees in the first year
No need to provide security deposit
Quick online pre-qualification
Fraud protection

Cons
No rewards or cash back
High APR for cash advances
Penalty APR applies if you make a late payment
Foreign transaction fees
Reports payments to three major credit bureaus (Equifax, Experian and TransUnion), giving you easy means to build or rebuild your credit.
Applying for this unsecured credit card requires no collateral.
Annual fee may vary from $0 to $99.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other cards selected for people with average credit from our partners.

WHY TRUST OUR REVIEWS

MoneyGeek uses a comprehensive rating methodology to undertake an in-depth analysis of different credit cards and companies. The process begins with data collection from the Consumer Financial Protection Bureau's database, standardization of data points for card comparison, estimation of average spend profiles, consideration of yearly and introductory incentives for each card and computation of the card's three-year worth. Additionally, the technique includes monthly card re-ranking and semi-annual card list updates.

If you're looking to develop or rebuild your credit but lack the funds to make a security deposit for a secure card, the Indigo® Platinum Mastercard® may be worth considering. Although it won't offer you any bonuses or rewards, this card does not require a security deposit. However, people with no or poor credit histories can use the Indigo® Platinum Mastercard® to build credit history. MoneyGeek's Indigo® Platinum Mastercard® review discusses the card's benefits and drawbacks, as well as other characteristics, to help you decide if you should apply for this card.

Indigo® Platinum Mastercard® Overview

Quick Take

Reports payments to three major credit bureaus (Equifax, Experian and TransUnion), giving you easy means to build or rebuild your credit.
Applying for this unsecured credit card requires no collateral.
Annual fee may vary from $0 to $99.

Important Card Details

Before applying for a credit card, it’s important to understand how credit cards work, as well as their advantages, fees, interest rates and other features.

The following table details the fees and rates associated with the Indigo® Platinum Mastercard®.

Annual Fee
Some cardholders will be required to pay an annual membership fee ranging from $59 to $99.
Foreign Transaction Fee
A fee of 1% of the transaction value will be charged for each foreign transaction.
Regular APR
The card's regular APR is 24.9% on purchases and 29.99% on cash advances.
Penalty Fee
All late payments are subject to a $40 penalty. Returns are also subject to the same fee.
Cash Advance Fee
Along with the high APR on cash advances, you’ll have to pay a fee of $5 or 5% of the transaction amount, whichever is larger.

Additional Benefits

You might also be interested in learning more about the following features of the Indigo® Platinum Mastercard®:

Mastercard Benefits: The card comes with additional benefits of a Mastercard at no extra cost. These benefits include ID theft protection and zero liability protection.
Quick and Easy Pre-Qualification Process: You can find out if you're pre-qualified for the card in minutes by entering a few basic details, including your Social Security number.
Chip Card for Fraud Prevention: This company offers a chip card, which has a microchip integrated into it and can be used at terminals that are chip-enabled. In turn, this provides an added level of security against counterfeit fraud.
No Penalty APR: Due to the card's high regular APR, you will not be charged a penalty APR.

How the Indigo® Platinum Mastercard® Compares To Other Cards

Due to the fact that it doesn’t need a security deposit, the Indigo® Platinum Mastercard® could be an excellent option for many individuals who are looking to improve their credit score without having to put money down. However, the addition of an annual charge and a foreign transaction fee may turn some people off. The following table compares it to a secured credit card with similar features.

How the Indigo® Platinum Mastercard® Compares

Indigo® Platinum Mastercard®

Annual Fee: $59 - $99
Foreign Transaction Fee: 1%
Regular APR: 29.9%
Rewards Rate: None
Minimum Deposit: None
Credit Needed: No credit required
Best For: Those looking for a credit-boosting card with zero deposit

Citi® Secured Mastercard®

Annual Fee: None
Foreign Transaction Fee: 3%
Regular APR: 26.74% variable
Rewards Rate: None
Minimum Deposit: $200
Credit Needed: No credit required
Best For: Those trying to build credit with a no-annual fee credit card

Frequently Asked Questions

sources

Mastercard. "Celtic Bank Credit Cards." Accessed December 15, 2021.
Indigo. "Frequently Asked Questions." Accessed December 15, 2021.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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MoneyGeek’s Take

Indigo® Platinum Mastercard® Review

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