Get Started Now


Get Started Now!

By clicking on "Get Started!", I agree to the Terms of Use, Privacy Policy and ESIGN Consent


Indigo Credit Card: Platinum Master Card Review in 2022

Indigo Credit Card, is designed for people who have “less than perfect credit” or who have only a short credit history of helping them build credit. It is similar to other credit-building cards in that it does not provide many benefits.

Several benefits will be provided, including online account access and credit reporting to all three credit bureaus (Equifax, Experian, and TransUnion). Additionally, you can select from various card designs at no additional cost.

Another advantage of the Indigo Platinum Mastercard is the ability to be pre-qualified. When you pre-qualify, you can get an idea of your chances of getting approved as well as the terms of your offer without having to fill out a full application and submit to a credit check, which can temporarily harm your credit score. If you decide to apply after pre-qualifying, you will still be subject to credit approval, which will result in a hard credit inquiry on your credit report.

What credit score do I need for the Indigo Credit card?

With a credit score ranging from 300 to 670 on the FICO scale, you could theoretically be approved for an Indigo Platinum Mastercard. This card’s credit requirements are designed to benefit those with limited credit, poor credit, or even those who have filed for bankruptcy is a major attraction for many consumers.

Who can benefit from the Indigo credit card?

The Indigo Platinum Mastercard may be a good option for people who are having difficulty getting approved for other credit cards.

A clear plus is the ability to get approved (and apply for prequalification) with less-than-perfect credit history. Still, the high annual fee and purchase APR mean you may pay a significant amount just to have credit available to you.

When you factor in the relatively low credit line, your purchasing power and ability to improve your credit may be restricted.

Instead, we recommend that you look into a credit card that has no annual fee and that will allow you to access more features as time goes on. These cards may not appear to be as appealing at the moment, and they may even require an initial security deposit. Still, they provide more opportunities to improve your credit over the long term.

What are the charges on the Indigo credit card?

There is a possibility you will not be charged an annual fee depending on your creditworthiness. However, if you have poor credit, you will almost certainly be required to pay a recurring annual fee of either $59 or $99. The $99 annual fee is reduced to $75 for the first year of ownership for new cardholders.

How can I use the Indigo credit card?

To improve your credit score

Consider using the Indigo Platinum Mastercard solely to improve your credit score because it does not offer any rewards and because your credit limit is only 0. You should not use this credit card for any other purpose. Use your credit card only for purchases you can afford to pay off when your statement is due, and pay your bill on time to avoid up to $40 in late fees and a penalty APR of up to 29%.

A credit card such as the Indigo Platinum Mastercard aims to gradually raise your credit score to the point where you are eligible for a better credit card.

To maintain good credit habits

Use this card to establish and maintain good credit habits. These include making on-time payments in full, keeping your credit utilization low, and paying down your balances consistently. They will help you qualify for a card that is better suited to your spending habits in the future and improve your long-term credit score.

Keep your spending in check

Because of the low credit limit on the Indigo Platinum Mastercard, you’ll need to be extra cautious with your spending to improve your credit score. Using more than 30% of your available credit can hurt your credit utilization rate, one of the most important factors in determining your credit score. With a credit limit of $300, you should aim to keep your charges below $90 to avoid exceeding your credit limit.

Benefits of the Indigo credit card

Regular credit limit without the requirement of a security deposit

Since it is an unsecured card, you can access the Indigo Platinum Mastercard credit limit even if you do not provide a security deposit. This means that you will not be required to put your financial assets up as collateral for this card upfront.

A high approval rate

People with less-than-perfect or no credit history can build a better financial future with the Indigo credit card. This is because of its high approval rate, making it a quick and straightforward way to improve your credit.

Improve your credit score.

Because it reports your activities to all three major credit bureaus, this card can make it simple to establish or improve your credit history (TransUnion, Equifax, and Experian).

Suppose you behave responsibly and make all of your payments on time. In that case, you will be well on your way to building good credit and obtaining credit cards that offer valuable rewards programs and additional benefits.

Just keep in mind that your annual fee will deplete your small $300 credit limit, making it challenging to maintain a low credit utilization ratio—which is a significant factor in your credit score—in the beginning.

The process of application is quick and simple.

Many credit cards have a time-consuming and labor-intensive application process, but the Indigo Platinum Mastercard is one of the quickest and most straightforward to obtain.

If you have all of your basic information ready, you should be able to complete the entire process online in under a minute.

You can apply and get started as soon as you are 18 years old (19 in Alabama) and have a valid social security number and a physical and IP address in the United States.

Soft credit pulls

You may be subject to a credit check whenever you apply for a credit card or any other type of line of credit. This check will have a small negative impact on your credit score, approximately 10%, for up to two years. People with poor credit may have difficulty qualifying for a line of credit due to this. Still, because Indigo Platinum’s prequalification is based on a soft credit pull rather than a hard credit check, it will not negatively impact your credit.


  • Your credit utilization ratio may be hampered by a low maximum credit limit of $300.
  • Depending on your creditworthiness, you could be charged a significant annual fee.
  • High APR (24.90 percent)


Jason Rathman
Latest posts by Jason Rathman (see all)