Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Indigo® Platinum Mastercard® Credit Card review

Last updated:  

A no-frills subprime card that helps you improve your credit.’s rating: 3.8 / 5.0


  • Get this card if you want an unsecured card.
  • Pick something else if you don’t want to pay an annual fee or you want a lower APR.
  • See if you prequalify with less than perfect credit.

From $0

Annual fee

for the first year (up to $99 thereafter)


Purchase APR (fixed)


Recommended credit score


Product NameIndigo® Platinum Mastercard® Credit Card
Card typeMastercard
Annual fee$0 to $99
Purchase APR24.9% fixed
Balance transfer APRN/A
Cash advance fee$5 or 5% of the cash advance amount, whichever is greater
Cash advance fee description$0 during the first year. After the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100)
Penalty APR29.9% fixed
Foreign transaction fee1% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $40
Returned payment feeUp to $40

Expert review

Megan Horner

Review by

Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker,, American Banker and featured on news broadcasts across the country.

Expert review

If you’ve had trouble establishing or improving credit, the Indigo® Platinum Mastercard® Credit Card might be for you. It offers a potential $0 annual fee for the first year, a 1% foreign transaction fee and reports to all three major credit bureaus.

Depending on your credit profile, the Indigo® Platinum Mastercard® Credit Card may forgo the annual fee entirely, rather than offer a one year welcome offer period. Plus, you can prequalify for this card, saving your credit score from the unfavorable dip of a hard pull.

Strongly consider paying off your monthly balances within the interest grace period. The Indigo® Platinum Mastercard® Credit Card comes with a higher-than-average purchase APR, and your APR could balloon indefinitely after even one late payment. Used responsibly however, the Indigo® Platinum Mastercard® Credit Card‘s travel perks and opportunity for no annual fee make this a solid card if you need to build your credit.

Go to site

The perks

  • Potential first-year $0 annual fee.

    Depending on your credit profile, you could potentially have no annual fee for the first year. The higher your credit score, the more likely you’ll receive this benefit. After the first year, your annual fee will be $99.

  • Get prequalified.

    You’ll know if you have a good chance of getting this card within a few minutes. This won’t affect your credit score, as Celtic Bank — the card’s managing bank — will initiate a soft pull on your credit history.

  • Reports to credit bureaus.

    Celtic Bank reports your responsible spending to the three major credit bureaus — Equifax, Experian and TransUnion. This can help you improve your credit score for better rates on mortgages, car loans and other financing.

You’ll also like …

  • 1% foreign transaction fee.

    It’s not 0%, but most providers charge a 3% foreign transaction fee.

  • Access your account through mobile.

    Check your account on the go through your mobile device, which will help you monitor your spending and use your account responsibly.

  • Purchase and travel benefits.

    When you pay for your car rental with your card, you’ll receive coverage against physical damage and theft. Roadside assistance for peace of mind against car troubles is also provided.

    Travel Assistance Services can provide you with help before and during vacation. Get pre-trip planning assistance and find referrals to medical and professional services if you’re in a pinch on your trip.

    Finally, you’ll also receive extended warranties on eligible items that you buy with your card.

  • No cash advance fees for the first year.

    After that, each cash advance comes with a fee of $5 or 5% of the transaction, whichever is greater.

    Though you won’t pay cash advance fees the first year, consider avoiding cash advances entirely. They come with a high interest rate and you won’t enjoy a grace period on them — meaning interest will start accumulating immediately after you make the draw.

Go to site

Compare cards for building credit

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
Destiny Mastercard
24.9% fixed
$59 to $99
An unsecured credit card for building credit with the option to see if you prequalify before applying.
Credit One Bank® Unsecured Visa® with Cash Back Rewards
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Applied Bank® Unsecured Classic Visa® Card
29.99% fixed
$75 intro annual fee for the first year ($45 thereafter)
An unsecured credit card for building credit with reporting to the three major credit bureaus.
Surge Mastercard® Credit Card
You may be asked to make a deposit for a secured card
25.9% to 29.99% variable
$75 to $99
An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. This is a rare offer among similar cards.
Petal 1
19.99% to 29.49% variable
A high-limit no-annual-fee credit card that's ideal for rebuilding scores as low as 550. See if you prequalify with no impact to your credit.

Compare up to 4 providers

What to watch out for

  • You may be charged an annual fee.

    Depending on your credit, you may need to pay an annual fee. You may be charged $0, $59, or $75 for the first year and $99 thereafter.

  • High purchase APR.

    You’ll receive a high fixed APR on purchases. However, it’s not uncommon for subprime unsecured cards to have APRs well above the average rate.

  • Penalty APR.

    If you make a late payment, Celtic Bank may apply a fixed penalty APR to all of your balances. You may be saddled with this higher rate indefinitely.

  • High cash advance APR.

    Cash advance APRs are often high, but this card has one that’s higher than most products.

What should I know before I check for prequalification?

Before filling out the prequalification form for the Indigo® Platinum Mastercard® Credit Card, read the card’s terms and conditions. If you’ve decided on the card, make sure you’re eligible and that you have the required information on-hand:

Eligibility criteria

  • Be at least 18 years old
  • Be at least 19 years old if you live in Alabama

Required documents and information

  • Full name and personal contact information
  • Email address and phone number
  • Social Security number and date of birth
  • In some cases, bank account information, employment details and annual income

What credit score do I need?

Celtic Bank offers the product to those with less than perfect credit. The higher your credit score, the more likely you’ll prequalify.

Indigo® Platinum Mastercard® Credit Card reviews and complaints

Customers have mixed reviews for the Indigo® Platinum Mastercard® Credit Card. Some cardholders say payments post quickly and the card helped them improve their credit. Others say they’ve received low credit limits, the customer service is confusing and it can be difficult to complete payments.

Celtic Bank isn’t accredited by the Better Business Bureau (BBB). It earns a B rating from the agency. As of this writing, it has 20 customer complaints; however, according to the BBB, most of them have been answered or resolved.

How to see if you prequalify for the Indigo® Platinum Mastercard® Credit Card

  1. Click Apply now.
  2. Complete the prequalification form with details like your name, address, Social Security number, date of birth and contact information.
  3. Review your information and submit your form.

How long will it take to get my Indigo® Platinum Mastercard® Credit Card?

Typically, you’ll receive a decision on your prequalification form within 60 seconds.

Go to site

I got the card. Now what?

  • Avoid interest.

    This card comes with a high interest rate on all balances. Consider paying off your balances within the grace period to avoid accruing interest.

  • Avoid fees.

    Late and returned payments come with fees as high as $40. Overlimit transactions also come with fees as high as $40.

  • Contact customer service.

    If you have questions about or issues with your account, contact the number on the back of your credit card. Alternatively, call 866-946-9545.

Bottom line

The Indigo® Platinum Mastercard® Credit Card doesn’t come with many benefits. However, it’s an unsecured card that may help you improve your credit if used correctly. As your credit score increases, you may be able to apply for a rewards card or find a balance transfer card.

Frequently asked questions

Back to top

Credit-building cards and secured card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.


  1. Default Gravatar
    April 12, 2019

    I applied and was approved for the Indigo Credit card on 3/25/19 and still have not received it yet. Does it usually take this long?

    • Avatarfinder Customer Care
      April 12, 2019

      Hello Latoya,

      Thank you for your comment.

      Once approved for the card, you’re expected to receive the card within 14 business days (weekends not included). So if your card is approved on the 25th of March, you may expect to receive it by the 12th of April. If you’re still unable to receive it, you may contact your post office to track any posts for you or contact Indigo directly to follow-up.


  2. Default Gravatar
    October 22, 2018

    Can I use my Indigo card for online purchases?

    • Avatarfinder Customer Care
      October 22, 2018

      Hi Jim,

      Thank you for your comment.

      Yes, you can use the Indigo Platinum card for online purchases, however, for the security reasons, foreign transactions may be declined if you do not notify them before using your credit card on websites outside of the U.S.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  3. Default Gravatar
    October 1, 2018

    What is the monthly payment for the Indigo Platinum Mastercard

    • Avatarfinder Customer Care
      October 1, 2018

      Hello Kenrick,

      Thank you for your comment.

      There are no monthly fees disclosed for Indigo® Platinum Mastercard® Credit Card however if you are referring to your monthly repayment, this will be indicated on your monthly account bill statements. You can directly get in touch with Indigo® Platinum Mastercard® Credit Card to obtain the amount to be repaid monthly.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  4. Default Gravatar
    September 28, 2018

    Will I be charged the $75 when my card arrive? I’ve seen a lot of reviews stating they didn’t get their card in the mail and they were still charged the $75?

    • Avatarfinder Customer Care
      September 29, 2018

      Hi Shnee,

      Thanks for reaching out to finder.

      Indigo® Platinum Mastercard® has an annual fee of $75 for the first year and $99 thereafter. This will be charged to your account when it is opened. It is refundable as long as you cancel your account and have not made any transactions.

      If in case you did not receive your card and was charged for the fee, you can contact Indigo card directly for assistance.

      Hope this helps.


  5. Default Gravatar
    July 18, 2018

    Are there any drawbacks to this card or “gotchas” we should look out for?

    • Default Gravatar
      July 19, 2018

      Hi Rodney,

      Thanks for leaving a question on finder.

      Aside from the details posted above, you can check the terms and conditions of this particular credit card to be sure what comes with it. Please click HERE to know more about the offer and read the T&C before you decide to apply.


  6. Default Gravatar
    July 18, 2018

    Is your credit limit ever increased?

    • Avatarfinder Customer Care
      July 18, 2018

      Hello Daleton,

      Thank you for your comment.

      Your credit limit will be determined once your application has been reviewed and approved. To request for an increase of credit limit, you’ll need to discuss it with Indigo.


  7. Default Gravatar
    June 26, 2018

    How many months no interest ?

    • Avatarfinder Customer Care
      June 26, 2018

      Hi Gina,

      Thanks for reaching out.

      This card has a 25-day grace period for purchase interest. You can take advantage of 25 days from the close of each billing cycle to pay off your purchases before paying interest.


  8. Default Gravatar
    June 23, 2018

    How much is the “over the limit” fee if I was to take out that coverage? Can’t find this answer anywhere.

    • Avatarfinder Customer Care
      June 24, 2018

      Hi Jenhuney,

      Thanks for your message.

      The overlimit fee of Indigo Platinum is $38.


  9. Default Gravatar
    March 28, 2018

    With the indigo platinum mastercard does anyone know the cash advance limit? And can you just go into a bank to get cash

    • Avatarfinder Customer Care
      March 28, 2018

      Hi Spenser,

      Thanks for getting in touch with finder.

      The cash advance limit depends on your credit limit. For this card, the maximum credit limit is $300. However, you will only know your exact credit limit upon approval. Please note that there’s cash advance fee that you need to pay. (First year: $0. After first year: $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100)).

      Normally, you don’t go to a bank to get the cash advance. You get the money out at an ATM or buy gift cards. You may want to know some other important things to know before getting a cash advance on your credit card.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  10. Default Gravatar
    June 25, 2017

    How do you add an authorized user to your account?

    • Avatarfinder Customer Care
      June 26, 2017

      Hi Tyrone,

      Thank you for your inquiry.

      While we do not represent any company that we feature on our pages, we can offer you a general advice. It would be nice to coordinate directly with the credit card company to clarify this matter. You can call their customer service at 1-866-453-2636.

      I hope this information has helped.


Go to site