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ClearValue Cards

Indigo Platinum Mastercard

Celtic Bank (Indigo) · Fair Credit review

Scored against ClearValue's published methodology · Schumer Box terms as of
Best for Applicants rebuilding from fair-to-poor
Celtic Bank (Indigo)
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Indigo Platinum Mastercard

46
/100
Annual fee
$75
Ongoing APR
29.99–35.9%
Best for

Applicants rebuilding from fair-to-poor credit who want a fully unsecured card and a soft-pull pre-qualification step be

Fees sourced from issuer terms · 2026-08-13

ClearValue score
46/100
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Applicants rebuilding from fair-to-poor credit who want a fully unsecured card and a soft-pull pre-qualification step be

Find my match

Sorted by score, never commission

Annual fee

$75

Charged each renewal year

Ongoing APR

Approx. 29.99%–35.9% fixed, depending on your approval offer — confirm your exact rate in your Schumer Box at concoracredit.com

Variable — verify the current range at the issuer

As of August 13, 2026

Best for

Applicants rebuilding from fair-to-poor credit who want a fully unsecured card and a soft-pull pre-qualification step before any hard inquiry hits their report. Indigo approves well below the mainstream 670+ floor and reports to all three bureaus, with no deposit required.

Not for

Anyone who can qualify for Credit One Bank Platinum Visa (same rebuilding tier, but earns 1% cash back) or a secured card with a lower ongoing APR — Indigo carries no rewards program at all, and reported APRs run high with real variation by approval offer.

The catch

Terms are heavily approval-dependent and reporting on them is inconsistent across sources: the annual fee has been reported anywhere from $75 to $175 in year one and $49 to $99 after, and the ongoing APR has been reported in a range around 29.99%–35.9% fixed, both set by your specific pre-qualification offer, not a single published rate. There is no rewards program. Confirm your exact annual fee and APR in the offer you're pre-qualified for, or in the card's Schumer Box, before applying.

Card facts

Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.

Product specs

Annual fee
$75
Ongoing APR
Approx. 29.99%–35.9% fixed, depending on your approval offer — confirm your exact rate in your Schumer Box at concoracredit.com
Schumer Box sourced
August 13, 2026

How we scored this card

See our published methodology — 5 dimensions, 0–20 each, 100-point total.

Effective rewards rate0 / 20
Fee structure7 / 20
Audience fit14 / 20
Transparency and trust11 / 20
The weakness, named14 / 20
Total46 / 100 · Skip

From the team behind ClearValue

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Frequently asked

Is the Indigo Platinum Mastercard's $75 annual fee worth it?

The Indigo Platinum Mastercard charges a $75 annual fee. In our review it earns a fees score of 7/20 — the "How we scored this card" section below shows how we weigh that against the rewards and benefits. Applicants rebuilding from fair-to-poor credit who want a fully unsecured card and a soft-pull pre-qualification step before any hard inquiry hits their report. Indigo approves well below the mainstream 670+ floor and reports to all three bureaus, with no deposit required.

What APR does the Indigo Platinum Mastercard charge?

Approx. 29.99%–35.9% fixed, depending on your approval offer — confirm your exact rate in your Schumer Box at concoracredit.com. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.

Who is the Indigo Platinum Mastercard best for?

Applicants rebuilding from fair-to-poor credit who want a fully unsecured card and a soft-pull pre-qualification step before any hard inquiry hits their report. Indigo approves well below the mainstream 670+ floor and reports to all three bureaus, with no deposit required.

Who should skip the Indigo Platinum Mastercard?

Anyone who can qualify for Credit One Bank Platinum Visa (same rebuilding tier, but earns 1% cash back) or a secured card with a lower ongoing APR — Indigo carries no rewards program at all, and reported APRs run high with real variation by approval offer.

How did ClearValue score the Indigo Platinum Mastercard?

Indigo Platinum Mastercard scored 46/100 — "Skip". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.

Alternatives to the Indigo Platinum Mastercard

Other low-credit cards we've scored, ranked by our methodology.

This review carries no partner link and earns nothing from what you read here — our scoring is never influenced by compensation, and reflects only our published rubric. When you use our match tool, we may be paid by a partner (CardRatings) if you continue with a card from there. See our methodology and disclosure.
Indigo Platinum Mastercard
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