| Name | Score | Visit | Annual Fee | Regular APR | Intro Offer | Credit Needed | Disclaimer | |
|---|---|---|---|---|---|---|---|---|
 | 6.0 | Visitindigocard.com | $75 | 24.9 | N/A | Bad (300–629) |
With a credit limit of $300 and no security deposit required, the Indigo Credit Card is a starter unsecured credit card for people without high credit scores.
If you need to rebuild your credit and can afford the $99 yearly fee, you may be looking for a card like the Indigo® Platinum Mastercard®.
You can get pre-approval without affecting your credit score too—so this is a fast way to see if you’ll be accepted.
While the Indigo Mastercard is a good choice for consumers with bad credit or poor credit scores, it’s not the best option if you have anything higher than fair credit.
Read on to find out why—
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Indigo Platinum Card Review: Overall Card Rating
 | |
APR | 24.9% |
Annual fee | $99/year |
Intro offer | N/A |
Standard rewards rate | N/A |
Maximum rewards rate | N/A |
Overall rating | 3/5 |
How to Apply for an Indigo® Platinum Mastercard®
The Indigo® Mastercard® is one of the easier credit cards to get and has an easy application process.
You may do the whole thing online in about a minute or less, as long as you have all your necessary information available (this includes your Social Security number, a physical address, and an IP address located in the United States).
Indigo Pre-Approval Process
Using the card’s website, you can apply for it online and get pre-approval in just a few seconds.
All you have to do is provide your entire legal name, address, birth date, Social Security number, email address, and your phone number.
Sometimes, Indigo will send you a pre-approval letter in the mail too, which you can use to complete the process.
How to Activate the Indigo Card
Once you’ve been approved, it’s easy to activate your new Indigo Credit Card. You can do it online, via the app, or over the phone by dialing (800) 353-5920 for customer care.
Indigo® Platinum Mastercard® Credit Limit
This card only has a $300 initial credit limit, no matter your credit score.
This is one of the biggest drawbacks for people who want a higher limit, but can be helpful if you’re just getting started with building your credit.
Does Indigo Give Credit Increases?
At this time, you can’t get a credit limit increase on your Indigo card. The initial limit of $300 is as high as the company offers.
Indigo Credit Card Annual Fee
Even though the credit limit is $300, the card does carry an annual fee of $75 for the first year (and $99 after that).
Credit Karma (who works with the company as an affiliate) may have better first year deals from time to time.
Does Indigo Mastercard® Have an App?
No, this card isn’t connected to an app—but you can access your information and make payments easily on their website.
Alternatives to the Indigo Platinum Card
 Milestone® Mastercard® 3.4 | Indigo® Mastercard® 3 |  Reflex® Platinum Mastercard® 2.8 |
Annual Fee $35 - $99 (Dependent on credit worthiness) | Annual fee $75–$99 | Annual fee $75–$99 |
APR 24.90% | APR 29.99% | APR 29.99% |
Starting Limit $700 | Starting credit limit $300 | Starting limit $300–$1,000 |
Indigo vs Surge Credit Card—Which Is Better?
The Surge® Platinum Mastercard® by Continental Finance is an option for people with bad or fair credit.
When compared to the Indigo card, which one is better?
INDIGO PLATINUM MASTERCARD® | SURGE PLATINUM MASTERCARD® | |
|---|---|---|
Annual fee | $75–$99 | $75–$99 |
APR | 29.99% | 24.99%–29.99% (Variable) |
Starting credit limit | $300 | $1,000 |
Maintenance fees | No maintenance fees | $10/month after the first year |
Benefits | Global transactions, fraud protection | Monthly credit score, fraud protection |
While neither of these is the best option in our opinion, we’d recommend the Surge Platinum Mastercard® if you want a lower APR and a higher starting credit limit.
Indigo vs Milestone Credit Card—How They Compare
The Milestone Mastercard® is an option for people with bad or fair credit.
Here’s how it compares to the Indigo card:
INDIGO PLATINUM MASTERCARD® | MILESTONE MASTERCARD® | |
|---|---|---|
Annual fee | $75–$99 | $35–$99 |
APR | 29.99% | 24.99% (Variable) |
Starting credit limit | $300 | $300 |
Maintenance fees | No maintenance fees | No maintenance fees |
Benefits | Global transactions, fraud protection | No foreign fees, 1.5% cash back |
Again, neither of these cards is the best of the best—but we’d choose the Milestone® card because of its slightly lower APR and annual fee and the cash back it offers.
Does the Indigo Credit Card Offer Cash Advances or Cash Back?
Yes, the Indigo Card does offer cash advances. But you’ll have to pay $5 or 5% of the transaction fee when using your Indigo Mastercard to get a cash advance (whichever is higher).
The card doesn’t have a cash back system.
Indigo Credit Card—What We Like
1. No credit history required
First, even if you don't have a credit history, you can apply for the card. And you can qualify even if you've filed for bankruptcy in the past.
2. No security deposit
If your credit is bad or nonexistent, your only options will often be either to get a secured credit card (for which you need a security deposit equal to the credit limit) or to have someone add you as an authorized user to their credit card.
But with Indigo, you don’t need a security deposit—so the money stays in your pocket.
3. Reports to credit bureaus to boost your credit score
Each of the three major credit bureaus will get a record of your monthly payments and transactions, helping you create your credit history and raise your score over time.
Indigo Credit Card—Things to Keep in Mind
1. Small credit line
This card only offers a $300 credit limit. They won’t raise it even when your score improves.
2. No rewards or cash back
This card doesn’t offer points for purchases or exclusive promotions for new cardholders. It also doesn’t have a cash back feature.
3. High fees
Not only does this card not offer any rewards—you’re still on the hook for paying the annual fee ranging from $79 to $99, and you’re stuck with the extremely high 29.9% APR.
Lay out your credit card debt with the minimum payments and interest to see how long it will take to pay off!
What you will get:
Interactive dashboard
Customizable to your needs
Stay on track with charts and graphs
Suitable for up to 16 or 32 debts!
Are there any Indigo Credit Card Complaints?
The card does get quite a few complaints—mostly about the small credit limit and high yearly fees (especially because it doesn’t offer any other benefits besides building your credit score).
What do the Indigo Credit Card Reviews Have to Say?
While there are a few complaints, many users love Indigo’s customer service and say they’re always friendly.
Some cardholders have noted that their credit score has gone from nonexistent or poor to fair or good in just under a year of having the card.
So if you’re going to apply for the Indigo card, you should know what you’re getting into—and only use it to boost your score so you can get your hands on bigger and better credit cards.
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