The Indigo® Platinum Mastercard® Credit Card is designed for people with fair to bad credit. If you’re looking to build or rebuild your credit history, this card may help you. While it typically comes with higher than average interest rates and annual fees, it also requires a much lower credit score to qualify.

Undoubtedly, poor credit can put a damper on your financial life. You may have trouble qualifying for loans. And you often have to settle for higher interest rates, which can cost thousands of dollars in interest.

Fortunately, you’re not necessarily sentenced to a life of high rates. With a little patience and dedication to managing your money responsibly, you can rebuild your credit and eventually obtain a better credit rating.

One way to do that is through a credit card for bad credit, like the Indigo.

Of course, it’s always crucial to compare credit card offers before deciding.

You can use our marketplace compare credit cards and choose the one that’s right for you.

Thinking about applying for the Indigo® Platinum Mastercard® Credit Card? Here’s our take:

The Indigo® Platinum Mastercard® Credit Card, for fair to bad credit, offers a quick approval process. That’s a boon for anyone out to get credit fast. It also reports to all three major credit bureaus, making it a solid option for those interested in establishing or rebuilding credit.

You don’t have to risk your already shaky score to find out if you qualify. There is a pre-qualification test that tells you the likelihood of getting approved.


  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.

Annual Fee:

  • $0 to $99: The annual fee is based on your credit profile and not everyone will qualify for the lowest cost annual fee.

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There’s no overspending

If you tend to overspend, the Indigo® Platinum Mastercard® Credit Card can keep you on track because of its fixed $300 credit limit.

It doesn’t require a security deposit either, so you can put more money towards paying down your balance, while building your credit.

Prior bankruptcy isn’t an issue

If you’ve filed bankruptcy in the past and you’re having trouble qualifying for other unsecured cards, the Indigo can be worth your time. The card issuer takes borrowers with prior bankruptcy.

The takeaway

The Indigo® Platinum Mastercard® Credit Card doesn’t come with all the bells and whistles you might find on other popular cards out there. It doesn’t offer rewards, like points or cash back. But it does provide the opportunity to establish or rebuild your credit through consistent payments. That’s where this card shines.

You can use it as part of your overall strategy to build credit, and then move on to cards with great rewards structures and lower rates. When you’re there, we suggest taking a look at the Citi Double Cash Card or Amex Everyday Preferred.

Credit expert, Beverly Harzog, reminds everyone that the number one factor in determining your credit score is your payment history. In fact, it accounts for 35% of your credit score.

“A good maneuver is to set up bill reminders and make sure you pay your bills on time,” says Harzog.

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