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 -50% 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

4 users recommend
0 users are unsure
12 users don't recommend
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Community Rating Mostly not recommended
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 550 - 650
Annual Fee $75
Purchase APR  (Variable APR) 24.9%
Number of Reviews 16

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.

  • High APRs. This is not a great card for people who carry a balance. It has a variable 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.
  • Accepts cosigners. Genesis FS Card Services is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel assistance, and fraud protection.
  • Poor credit. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
The Good The Bad
  • Multiple credit card perks.
  • Considers applicants with fair or poor credit.
  • Indigo Platinum Mastercard reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • Higher than average purchase APRs.
  • Charges an annual fee of $75.
  • 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.

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:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Assistance
  • 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 variable purchase APR of 24.9%. It also has a variable 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.

What are the Indigo Platinum Mastercard fees?

The following fees apply to Indigo Platinum Mastercard:

  • An overlimit fee of $39.
Indigo Platinum Mastercard Fees
Fees Amount
Annual Fee $75 (Annual fees vary by year)
Overlimit Fee $39
Foreign Transaction Fee 1%
Returned Payment Fee $39
Late Payment Fee $39

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?

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

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  • 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
Paper Statement Fee $0
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 1%
Annual Fee $75
Minimum Interest Charge $0.50
Over-Limit Fee $39
Returned Payment Fee $39
Late Fee Amount $39
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Bad Credit
Card Network
  • Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Travel Insurance  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
Cash Advance APR (Variable APR) 29.9%
Purchase APR (Variable APR) 24.9%
Balance Computation average daily balance (including new purchases)
Penalty APR 29.9%

Indigo Platinum Mastercard Community Reviews


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