There are not many lenders out there who are willing to give a chance to those with “bankruptcy” mentioned somewhere on the credit report.

However, IndigoApply is here to cater to your toughest financial times.

Did You Know? IndigoApply offers Indigo Platinum Mastercard that you can use at more than 35 million locations around the globe.

You might be wondering that there has to be some downside when it comes to getting a credit card on such easy terms. The truth is: the only con here is that there are rewards offered on this card.

Other than that, the annual fee is considerable when compared with other credit card options in the market, the maintenance fee is also minimal and you can easily avoid the interest charges by clearing payments on time.

In this article, we will first provide you with a quick overview of what has in stock for you.

After that we will get into a detailed section on terms and fees related to Indigo Platinum Mastercard offered at IndigoApply. Lastly, we will tell you how to apply for this card without or without the pre-approved mail offer.

IndigoApply – Quick Overview

On the surface, you will find Indigo to be a very basic credit card that can cater to all your needs for credit rebuilding. As compared to other options, it is a bit costly but that is the price you have to pay for getting a credit card without a security deposit.

If you were lucky enough to receive a preapproved mail offer at IndigoApply, your application process would be short and easy. Otherwise, you can conventionally apply for the card by visiting invitation number.

Attention! One thing that users have admired about this plastic is that it comes in a variety of designs. You are free to choose the one you like without any additions charges.

Indigo Platinum Mastercard also allows for cash advances.

You can avail it at many financial centers around the globe. You can request for setting in a PIN after you receive your credit card approval confirmation.

This is the code you need to withdraw cash securely at ATMs. Further details on this have been provided on their cardholder agreement.

On top of that, you will be covered with master-rental coverage and master road-assist services. This means you will have instant help if you face collision damage or your vehicle is stolen. You can also seek help in case of fuel shortage or flat tire.

Furthermore, you can access your Indigo account anytime using the mobile app that is available 24/7. You can set this account immediately after being approved for the credit card. You will be asked to provide login credentials such as password and a verified email ID. After that, you are good to go instantly!

Indigo Platinum Mastercard at IndigoApply


Many platforms highlight that you need at least an average credit score to be eligible for this offer. However, less-than-average score is also acceptable and in some cases people with a bankruptcy on their report have been approved for the card as well.

Attention! One thing that users have admired about this plastic is that it comes in a variety of designs. You are free to choose the one you like without any additions charges.

Annual Fee

The annual charges can vary from $0 to $99 depending on your creditworthiness. The annual fee that you have to pay at the end of the would take into account the credit limit for which you have been approved.

Interest Rates

Indigo Platinum credit card charges a fixed regular APR of 24.90%. This card tends to be so costly as it is offered to with not-so-good credit score. Since the bank is running a risk by issuing you a card with a history that says otherwise, you will be charged a little extra as a security.


There are no immediate rewards such as discounts or cashbacks offered on this credit card. However, it does have plenty of other perks that we have talked about in the section above.


Unfortunately, the card does not offer $0 fraud liability like most other good cards available. However, the customer support service is promptly available so you can report your card is missing immediately and have it deactivated.

Furthermore, the card allows for identity monitoring and thoroughly protects your SSN, Email IDs, passwords, and other personal information you share during the application process.

Applying for Indigo Mastercard at

You can get your hands on Indigo Platinum Mastercard by visiting or by proceeding via a pre-approved offer. In both cases, you have a solid chance of being accepted as a cardholder even if your credit score does not appear to be in a good shape

1. Responding to IndigoApply Pre-approved Mail Offer

Applying for Indigo Platinum Mastercard via pre-approved mail offer would shorten the time you need to invest and make the application process easy. It also improves your chances of being accepted as a cardholder but still that is not 100% guaranteed.

Note! Getting a pre-approved offer means the bank has carried out a soft inquiry on your credit report. Unlike a hard inquiry, this does not damage your credit score in any way.

You need to provide the invitation number when completing the form online. Enter the web address to access their official page. Here type in the 12-digit invitation number and zip code in the required fields.

That’s all! Your application would be complete in less than 2 minutes. Now patiently wait for the bank to get back to you. Hopefully, the acceptance mail would reach you in 7 days. Otherwise, you will be notified of the disapproval along with the reason for rejection.

Attention! In case you don’t get a response from the bank within 14 working days, you can call and get in contact with their representative. Typically, this means that your information needed further processing before they could reach a decision.

2. Applying Without Mail Offer

It may come as a surprise but applying at without a mail offer is equally convenient. When you open their official page, you will be able to see a button that states “Did not receive the invitation number.” Click on this tab to proceed.

You will have to complete a form in the next window. Here you need to provide your full name, permanent address, residential city, zip code, date of birth, social security number, email ID, primary phone number, and secondary phone number.

The closing of the application form would ask you to confirm that you are a legal resident in the US and that you are above 18 years of age. You will be notified immediately of your pre-qualification when you hit the submit button.

3. Contacting The Bank

You can get in touch with a representative in case you are facing any issues during the application process. The number to call is 1-888-260-4532. The same number can be used when contacting the bank for reporting a stolen or a missing card.

Is It Safe & Legit?

Mail offers often make us wonder if it is safe to respond to them or provide personal information at these platforms. Many customers hesitate thinking that their information could be leaked a third-party without their permission.

However, IndigoApply is safe & legit from any such threats. It is a reliable platform that has handed out credit cards to millions of users around the US. The bank is completely trustworthy when it comes to sharing personal data.

Did You Know? Celtic Bank, Salt Lake City, UT issues the Indigo Platinum Mastercard.

Furthermore, the customer support service at the bank can be contacted immediately. It is available 7 days a week so you will not have any issues getting through to the spokesperson.

Wrap Up

Indigo Platinum Mastercard stands out in the list of options you have for fixing a poor credit score. In fact, IndigoApply has been made available even to those who faced previous bankruptcy so you can see the amount of trust the bank is willing to put in you!

The card reports to the three major credit bureaus but it does charges a hefty annual fee. It seems like the deal is that you can repair a broken score at the expense of few extra dollars. However, if you maintain good spending habits, some of the charges like interests should be the last of your worries.

A good credit history and ultimately an outstanding score has a lot to do with timely payments and thoughtful use of your credit utilization ratio.

If you just stick to the responsible behavior, you would be able to see a positive change in your credit report in just a matter of months. Who knows, maybe you will even qualify for some high-end credit cards then?

We hope that this article covered everything you wanted to find out about IndigoApply. Are you going to give it a try? Do let us know about your reviews in the comment section below. Good Luck!

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