They won’t raise it even when your score improves. This card only offers a $300 credit limit. Indigo Credit Card-Things to Keep in Mind 1. Reports to credit bureaus to boost your credit scoreĮach of the three major credit bureaus will get a record of your monthly payments and transactions, helping you create your credit history and raise your score over time. If your credit is bad or nonexistent, your only options will often be either to get a secured credit card (for which you need a security deposit equal to the credit limit) or to have someone add you as an authorized user to their credit card.īut with Indigo, you don’t need a security deposit-so the money stays in your pocket. And you can qualify even if you've filed for bankruptcy in the past. No credit history requiredįirst, even if you don't have a credit history, you can apply for the card. The card doesn’t have a cash back system. But you’ll have to pay $5 or 5% of the transaction fee when using your Indigo Mastercard to get a cash advance (whichever is higher). Yes, the Indigo Card does offer cash advances. Does the Indigo Credit Card Offer Cash Advances or Cash Back? When compared to the Indigo card, which one is better?Īgain, neither of these cards is the best of the best-but we’d choose the Milestone® card because of its slightly lower APR and annual fee and the cash back it offers. The Surge® Platinum Mastercard® by Continental Finance is an option for people with bad or fair credit. Indigo vs Surge Credit Card-Which Is Better? No, this card isn’t connected to an app-but you can access your information and make payments easily on their website. Indigo Credit Card Annual FeeĮven though the credit limit is $300, the card does carry an annual fee of $75 for the first year (and $99 after that).Ĭredit Karma (who works with the company as an affiliate) may have better first year deals from time to time. The initial limit of $300 is as high as the company offers. Does Indigo Give Credit Increases?Īt this time, you can’t get a credit limit increase on your Indigo card. This is one of the biggest drawbacks for people who want a higher limit, but can be helpful if you’re just getting started with building your credit. This card only has a $300 initial credit limit, no matter your credit score. Indigo® Platinum Mastercard® Credit Limit You can do it online, via the app, or over the phone by dialing (800) 353-5920 for customer care. Once you’ve been approved, it’s easy to activate your new Indigo Credit Card. Sometimes, Indigo will send you a pre-approval letter in the mail too, which you can use to complete the process. Using the card’s website, you can apply for it online and get pre-approval in just a few seconds.Īll you have to do is provide your entire legal name, address, birth date, Social Security number, email address, and your phone number. You may do the whole thing online in about a minute or less, as long as you have all your necessary information available (this includes your Social Security number, a physical address, and an IP address located in the United States). The Indigo® Mastercard® is one of the easier credit cards to get and has an easy application process. How to Apply for an Indigo® Platinum Mastercard® Indigo Platinum Card Review: Overall Card Rating While the Indigo Mastercard is a good choice for consumers with bad credit or poor credit scores, it’s not the best option if you have anything higher than fair credit. You can get pre-approval without affecting your credit score too-so this is a fast way to see if you’ll be accepted. If you need to rebuild your credit and can afford the $99 yearly fee, you may be looking for a card like the Indigo® Platinum Mastercard®. Our partners don't dictate what we choose to write. When creating content, we adhere to high editorial standards to make sure the information presented remains objective. Pages on LifeAndMyFinances may contain affiliate links to products for which we receive a commission when a user makes a purchase.
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