Overview

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.