Indigo Platinum Mastercard

in Personal Credit Cards from Genesis FS Card Services

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Indigo Platinum Mastercard


in Personal Credit Cards from Genesis FS Card Services

SuperMoney Net Recommendation Score -33%



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Mostly not recommended

10 users recommend
2 users are unsure
21 users don't recommend
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Community Rating Mostly not recommended
Purchase APR  (Fixed APR) 24.9%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 550 - 650
Annual Fee $99
Number of Reviews 33

Indigo Platinum Mastercard Review

Indigo Platinum Mastercard is a credit card issued by Genesis FS Card Services. If you're wondering whether Indigo Platinum Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a fixed purchase APR of 24.9%
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
Indigo Platinum Mastercard Pros & Cons
The Good The Bad
  • Multiple credit card perks.
  • Considers applicants with fair or poor credit.
  • Indigo Platinum Mastercard reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $99
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
Indigo Platinum Mastercard FAQ

Is there a Indigo Platinum Mastercard cash back or rewards program?

No, Indigo Platinum Mastercard does not offer a rewards program.

What are the Indigo Platinum Mastercard benefits?

Indigo Platinum Mastercard provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Indigo Platinum Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Indigo Platinum Mastercard has higher than average purchase APRs.

Indigo Platinum Mastercard has a fixed purchase APR of 24.9%. It also has a fixed cash advance APR of 29.9% . Note that late payments are subject to an APR of 29.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Indigo Platinum Mastercard have an introductory APR offer on balance transfers?

No, Indigo Platinum Mastercard does not come with an introductory APR offer for balance transfers.

Does Indigo Platinum Mastercard have an introductory APR offer on new purchases?

Indigo Platinum Mastercard does not offer an introductory rate on new purchases.
Indigo Platinum Mastercard Purchase Intro Offer
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Indigo Platinum Mastercard?

The following fees apply to Indigo Platinum Mastercard:

  • An overlimit fee of $40.
Indigo Platinum Mastercard Fees
Fees Amount
Annual Fee $99 (Annual fees vary by year)
Overlimit Fee $40
Foreign Transaction Fee 1%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does Indigo Platinum Mastercard have a foreign transaction fee?

Indigo Platinum Mastercard charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Indigo Platinum Mastercard report your account activity to credit bureaus?

Yes, Indigo Platinum Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Indigo Platinum Mastercard

  • Visit the Indigo Platinum Mastercard website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  • Headquarters
  •   15220 NW Greenbrier Pkwy
    STE 200
    Beaverton, OR 97006
  •   Visit Site

About Indigo Platinum Mastercard

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  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Paper Statement Fee $0
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 1%
Annual Fee $99
Minimum Interest Charge $0.50
Over-Limit Fee $40
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 550 - 650
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 29.9%
Balance Computation average daily balance (including new purchases).
Penalty APR (Fixed APR) 29.9%
Purchase APR (Fixed APR) 24.9%
Card Type Bad Credit
Card Network Mastercard

Indigo Platinum Mastercard Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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