Not many lenders are willing to give a chance to those with “bankruptcy” mentioned somewhere on the credit report. However, IndigoApply is here to cater to your most challenging financial times.

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

Indigo credit card can support someone with poor to no credit history. It is a perfect option for credit rebuilding with an annual fee ranging up to $99 and a fixed APR of 24.9 %. There are no immediate rewards such as discounts or cashbacks offered on this credit card. However, it reports to the three major credit bureaus so you can use it to improve your financial standing.

You might be wondering why getting a credit card on such easy terms has to have some downside.

The truth is the only con here is that there are no rewards offered on this card. 

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

IndigoApply – Quick Overview

On the surface, you will find Indigo to be an elementary credit card that can cater to all your needs for credit rebuilding. Compared to other options, it is a bit costly, but that is the price you must 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 Indigo card by visiting for the invitation number.

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 additional 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 in 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 the Indigoapply credit card app, which is available 24/7. You can set up this account immediately after being approved for the credit card.

You will be asked to provide Indigo login credentials, such as a password and a verified email ID. After that, you are good to go instantly!

Indigo Platinum Mastercard at IndigoApply Login


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

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 additional charges.

Annual Fee

The annual charges can vary from $0 to $99, depending on your creditworthiness. The annual fee you have to pay at the end of the would consider 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 costly as it is offered to those with a 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.


This credit card offers no immediate rewards, such as discounts or cashback. However, it has plenty of other perks that we discussed in the section above. 


Unfortunately, the card does not offer a $0 fraud liability like most sound cards. 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.

Additional Details

You must know about some fees when applying for the Indigo credit card. For example, many must know that Indigo charges $40 as the maximum late fee and maximum overlimit fee. 

Moreover, the maximum penalty APR you may be charged is 29.9%, and cash advance APR is also 29.9%. The card allows you a grace period of 25 days.

Applying for Indigo Mastercard at

You can access the Indigo Platinum Mastercard by visiting or 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 needs to be in better shape. 

1. Responding to IndigoApply Pre-approved Mail Offer

Applying for Indigo Platinum Mastercard via a 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.

Getting a pre-approved offer means the bank has initiated a soft inquiry on your credit report. Unlike a tricky question, 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 log in and access their official page—type in the 12-digit invitation number and zip code in the required fields.

That’s all! Your application will be completed in less than 2 minutes. Now, patiently wait for the bank to get back to you.

Hopefully, the acceptance mail will reach you in 7 days. Otherwise, you will be notified of the disapproval and the reason for rejection. 

If you are still waiting for a response from the bank within 14 working days, you can call and contact their representative. Typically, this means that your information needed further processing before they could reach a decision.

2. Applying Without Mail Offer

It may be a surprise, but applying at without a mail offer is equally convenient.

When you open their official page, you will 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 must 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 US resident and 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 contact a representative in case you face any issues during the application process. The number to call is 1-888-260-4532. 

The exact number can be used when contacting the bank to report a stolen or missing card.

Is It Safe & Legit?

Mail offers often make us wonder if responding to or providing personal information on these platforms is safe. Many customers hesitate, thinking their data could be leaked to a third party without 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 entirely trustworthy when it comes to sharing personal data.

Furthermore, the customer support service at the bank can be contacted immediately. It is available seven days a week, so you can quickly get through to the spokesperson.

Indigoapply Review Online

Have you looked at customer reviews online about the credit card? Real-life users can help you determine whether a card is a good match for you. Here are some critical reviews about the Indigo card.

I’ve been a customer of their other cards: Milestone and Destiny for about three years before getting Indigo. I saw that my father had the card so that was the deciding factor for me. Because of a lower credit limit I use it in case of emergencies only. Don’t love that they don’t raise credit limits under any circumstances or that they have an annual fee so once I get to THE card, AMEX, I’ll probably let them all go but I am satisfied with what they do for me, provide additional credit and help me increase my FICO score

Okay credit card to have to build credit with., but lacks a app and features that a credit card app provides.

The only thing stopping me from giving it an excellent rating is that I can’t pay my payment with my bank debit card. Would make it so much easier.

No problems so far. Customer service has been good. Annual fee is too high, after the first year and no credit increase possibility. This will probably be a card for just one year.

Okay, but not great… It’s an excellent card to start with, but the apr is quite high; nonetheless, you can’t expect much more when you’re rebuilding your credit. The one drawback is that I’ve had the card for six months and there has been no rise, despite the fact that I’ve paid the card off virtually promptly after each purchase. It serves its purpose, but it could be better. 

Expensive annual charge, but helpful for construction. The annual charge is high, with a maximum limit of $300, but the service is AMAZING. 

Before You Go!

Indigo Platinum Mastercard stands out in your list of options for fixing a poor credit score.

IndigoApply has been made available even to those who faced previous bankruptcy, so you can see the trust the bank is willing to put in you! 

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

A good credit history and an outstanding score have much to do with timely payments and thoughtful use of your credit utilization ratio.

If you stick to responsible behavior, you will be able to see a positive change in your credit report in just a matter of months. Who knows, you will 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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