Indigo Platinum Mastercard

in Personal Credit Cards

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Indigo Platinum Mastercard


in Personal Credit Cards

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Who is this credit card designed for?

Indigo Platinum Mastercard is a credit card issued by Genesis FS Card Services, which is based in Beaverton, OR. 

Indigo Platinum Mastercard is designed for people with a credit score of 550 to 650. Genesis FS Card Services is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

What are the relevant APRs?

Indigo Platinum Mastercard has a fixed purchase APR starting at 23.9%.

It also has a fixed cash advance APR starting at 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.

Is an introductory APR offer available?

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

Indigo Platinum Mastercard does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to Indigo Platinum Mastercard:

  • An annual fee of $99. Make sure the rewards and benefits of this card justify the cost of the annual fee.
  • A late payment penalty of $38.
  • A returned payment fee of $38.
  • An overlimit fee of $38.
  • A foreign transaction fee of 1%. Transactions in a foreign currency get hit with a 1% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $10.

Is a rewards program offered?

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

Is a signup bonus offered?

Indigo Platinum Mastercard doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Indigo Platinum Mastercard doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 Indigo Platinum Mastercard provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
  • Reports to major credit bureaus

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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


Available in 50 States and Washington, DC
  • 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

Grace Period
Late Payment Penalty
Returned Payment Fee
Over-Limit Fee
Minimum Interest Charge
Annual Fee
Foreign Currency Transaction Fee
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range
550 - 650
850 300 550 650
Minimum Age
Co-signing Allowed
Customer Type
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
Car Rental Insurance
Extended Warranty
Travel Insurance
Cash Advance APR
(Fixed APR)
Starting at
Purchases APR
(Fixed APR)
Starting at
Balance Computation
average daily balance (including new purchases)
Penalty APR


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4 total votes
Starting Purchases APR
(Fixed APR)
23.9% Starting Fixed APR
Balance Transfer APR N/A Balance Transfer APR
Annual Fee $99 Annual Fee
Credit Score Range 550 - 650 300 850