The Indigo Platinum MasterCard is issued by Celtic Bank, a Utah industrial bank, and marketed by Genesis Bankcard Services. Genesis Bankcard Services has been in business since 2004 and has an A+ rating with the BBB.

Who is the Indigo Platinum MasterCard Designed For?

Indigo Platinum MasterCard is designed for people with poor to fair credit who want to rebuild their credit history and the convenience of a credit card that doesn’t charge an annual fee. The card allows potential cardholders to pre-qualify without a hard pull on their credit, which means there is no impact to your credit score if they are denied.

What are Indigo Platinum MasterCard’s Interest Rates?

Indigo Platinum MasterCard has a 23.9% APR. Cash advances have a 29.9% APR. Cardholders who make a late payment are hit with a 29.9% penalty rate.  Milestone does offer a 25-day grace period during which no interest is charged.

What Are Indigo Platinum MasterCard’s?

Indigo Platinum MasterCard’s annual fee varies from $0 to $99. The annual fee charged depends on the credit profile of each applicant. Applicants find out what fee they will charged when they complete the pre-qualification form.

Indigo also charges a $25 fee for new authorized users.

During the first year, there is no cash advance fee. After the first 12 months, there is either a $5 or 5% cash advance fee, whichever is greater (up to a maximum of $100). Foreign purchases come with a 1% fee.

Late payments and returned payments have a $37 penalty fee. Cardholders who exceed their limit must also pay a $37 fee.

What Is Indigo Platinum MasterCardRewards Program Like?

Indigo Platinum MasterCard does not provide a points or miles rewards program. Its main advantage is that it reports to all three major bureaus, which can help cardholders improve their credit score.

It does, however, provide MasterCard Gold benefits, which include:

-       MasterRental Coverage

-       Extended Warranty Coverage and Price Protection

-       Master RoadAssistance Service

-       Travel Assistance Services

It is rare for a credit card designed for consumers with bad credit to offer these valuable benefits with such a low annual fee ($0 to $99).

How Is Indigo Platinum MasterCard Better Than Other Credit Cards?

Indigo Platinum MasterCard does not provide a rewards program. It still is a great deal for people with poor credit looking for a decent card that can help them build their credit history.

This is what we like about Milestone Gold MasterCard:

-       Reports to all three credit bureaus, which will help you rebuild your credit if you are regular and on-time with payments

-       No cash advance fee for the first year

-       Low annual fee

-       MasterCard Platinum benefits

-       Pre-qualification available (no impact on credit score)

-       Free custom card design

  • Card Type
  • Customer Type
  • Card Network
  • Minimum Age
  • Co-signing Allowed
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • Minimum Interest Charge
  • Over-Limit Fee
  • Returned Payment Fee
  • Foreign Currency Transaction Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Penalty APR
  • Purchases APR
    23.9% - 23.9%
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Est. 2004

Annual Fee $99
Purchases APR 23.9%
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