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Indigo Platinum Mastercard

in Personal Credit Cards from Celtic Bank

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Indigo Platinum Mastercard

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in Personal Credit Cards from Celtic Bank

SuperMoney Net Recommendation Score -9

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -9, equating to 2.8 on a 5 point rating scale.

-9

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

14 users recommend
1 user is unsure
17 users don't recommend
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Highlights
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 $75 - $99
Number of Reviews 32

Indigo Platinum Mastercard Review

This is a credit card issued by Celtic Bank. If you're wondering whether Indigo card is the right card for you, read on. This review will provide you with with all the details you need 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 rental insurance, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Indigo card
The Good The Bad
  • $0 cash advance fee 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).
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • 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 up to $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 card FAQ

Does Indigo card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Indigo card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Indigo card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It 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 card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Indigo card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Indigo card?

The following fees apply:

  • An overlimit fee of $40.
Indigo card Fees
Fees Amount
Annual Fee Starting at $75 up to $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 card have a foreign transaction fee?

Indigo card 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 foreign transaction fees.

What is the customer service phone number for Indigo card?

The Indigo card customer service number is (800) 509-6191.

What is the support contact email for Indigo card?

The support contact email for Indigo card is help@celticbank.com.

How do people rate the customer service and user experience of Indigo card?

Overall, Indigo card is mostly not recommended based on community reviews that rate customer service and user experience.

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 card

  • Visit the Indigo card 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: SuperMoney.com 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.

Message From Celtic Bank

Founded in 2001 and headquartered in Salt Lake City, Utah, Celtic Bank is a privately owned industrial bank chartered by the State of Utah. Celtic Bank specializes in small business finance, helping business owners with working capital, expansion, acquisition, construction, equipment financing, renewable energy finance, real estate purchases and refinances, and more. Celtic Bank has ranked as one of the top ten SBA lenders nationally since 2013. Celtic Bank has a proven track record in a range of industries, including renewable energy finance, healthcare, gas station / C-store, car wash, hotel and others. Every business loan application is approached with a creative and problem-solving mindset, and we aim to structure tailored financing solutions that help our clients meet their growth objectives.

The Indigo Platinum Mastercard is specifically designed for those with less than perfect credit. As an added plus, your monthly Indigo card payments are reported to all three major credit bureaus, which can help build a positive payment history.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Celtic Bank

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View all personal credit cards offered by Celtic Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • 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 $75 - $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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • 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
  • Extended Warranty Protection
  • Emergency Support
  • 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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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -9, equating to 2.8 on a 5 point rating scale.

-9

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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