Mail Offer Invite – Apply Online

Indigo Apply Invitation Number through the mail offer gives you the opportunity to get yourself approved for the Indigo® Platinum Mastercard®. Enter your Invitation Code (mentioned in the letter) and Zip Code to get your hands on Indigo Card.

Description: Genesis FS Card Services Image

On Genesis FS Card Services’s Secure Website

Best for people working on their credit

Indigo® Platinum Mastercard®

Intro bonus Annual fee Regular APR Credit Score




Bad to Fair  (300 – 670)

For those with frail credit or no record as a consumer, the Indigo Platinum Mastercard is a decent choice. It does not need a credit check for prequalification, and it very well may be helpful to youngsters, especially students, and people who need a Visa credit card in the wake of declaring financial insolvency/bankruptcy. This may just be a good option as a restart or simply a fresh start for you. Indigo Mastercard can assist you with actualizing your goals regardless of whether your credit not being the best. Indigo has made it possible to get a credit card, as you could an average individual with unforeseen circumstances vs a serious business owner with the financial downturn in their life.

A “regular” Visa credit card is usually referred to as an “unsecured” credit card. Unsecured debt refers to credit card debt that is not backed or secured by any collateral asset. The only thing the lending institution has is your promise to repay it.

Credit Score Required: Fair Credit, Bad Credit

Recommended FICO® ScoreΘ Rating
Poor – Good, New to Credit, Rebuilding

Indigo Platinum Mastercard Key APRs & Fees

One-time fees$0
Monthly fee$0
Annual fee$0-$99
APR on Purchases24.9%
Intro APRNot Offered

Additional Card Details

Max Late Fee$40
Max Overlimit Fee$40
Max Penalty APR29.9%
Smart ChipNO
Cash Advance APR29.9%
Cash Advance Fee1st year 0%, either $5 or 5% after
Grace Period25 Days


  • This card does not require any security deposit leaving you with extra cash at your disposal. Indigo Mastercard gives you the ideal option for building your credit.
  • Soft Credit checks for pre-qualify for a credit card allow for risk free assessment of whether you will get the card from indigo or not.
  • Indigo credit card used Mastercard platform which is renowned globally. You can use the card internationally without any hassle.
  • Using the card responsibly will allow you to build your credit score.
  • You are insured against all the fraudulent activities, including ID theft and card theft.
  • The credit cards add to the funds available to you for daily spending.


  • To obtain this card you must be a permanent or temporary resident of the United States.
  • You must be at least 18 years old (19 in Alabama), have a valid Social Security number, a physical address in the United States, and an IP address in the United States.
  • You must not have a previous outstanding balance with Indigo Mastercard.
  • Indigo has other requirements and standards that need to be met such as you income statement along with outstanding debt and ID verification that needs to be met.

How to Pre-qualify for IndigoApply Mail Offer?

Indigo does not acknowledge paper applications or applications through telephone as of now, instead, applications through the web are encouraged. The process begins by finishing up a fast prequalification application form on Indigo’s site. The form requires your name, address, email address, and Social Security number are all the required fields. Indigo uses this data to conduct a soft credit pull in order to understand your credit.

Indigo will only conduct a hard credit pull once you have given the institution permission to do so. A soft credit pull just offers the lending institution an assurance after reviewing the basic information from the credit report. This does not result in a hard credit pull. A request conducted, is a credit pull which records who pulled your credit and it stays on your credit report for approx. 2 years. It is fine to conduct one or two credit inquiries over the course of a year as this will not result in significant damage to your credit score.

Based on the result from the soft credit pull, Indigo can easily determine whether you pre-qualify for the Indigo Platinum Mastercard within seconds. Although the pre-qualification does not ensure you will get the card, but it certainly is a positive indication that upon applying officially, you are likely to get the card.

After the initial soft credit pull, you can officially apply for the card. During this process, Indigo will require you to conduct a hard inquiry on your credit history. If you were considered for pre-qualification in the previous step, this second step of hard inquiry on your credit will more than likely work out to be in your favor.

There is a detailed form application that needs to be filled out, developed by the Indigo. This form would like to inquire more about your income and financial situation. Once the form and application requirements are fulfilled and satisfied as per the institution’s requirement, the decision to give you the credit card is made almost instantaneously.

Here’s how to check your application status?

Why You Need To Respond IndigoApply.Com Invitation Number

This is a valid question as you may be considering other options as well. But, there are some features that make the Indigo Mastercard stand out from its competitors.

All the information you may share with Indigo is kept safe and secure for privacy reasons. Rest assured that all the information shared with the institution, emails, passwords, personal information, etc. is all protected.

For peace of mind at all times, it is important to say that your money is insured at all times and you are protected against any fraudulent activities made on your card. You as a consumer will not be held liable for transactions made due to identity theft, card theft or other forms of frauds.

Another benefit to you as a consumer is the user experience. Indigo Mastercard wants to create a seamless experience for you. The ease of accepting your card, setting up your card, accessing the crucial information related to your account and making any changes to your account are all processed with keeping the consumer in mind.

In addition, consumers can also request cash advances with no restriction to what state they are in. Depending on the credit limit allowed on your account, you will be able to conduct cash advances.

You would have also some other “life happens” coverage. To elaborate, you will be eligible against collision damage for a registered vehicle, and for smaller instances such as fuel shortage or flat tire. The representatives at Indigo are more than willing to help you in your tough times.

How to Respond Indigo Apply Mail Offer

Open your browser and type into the address bar. This is the official website where you must submit your credit card application information.

You will be asked to fill out two crucial fields on the page: your zip code and an invitation number.

* The invitation number is a 12-digit code found on the Mail Offer you recently received. It will take less than 3 minutes to finish the process.

After filling out the information, the institution will process the information and will notify you within one week if you are approved for the credit card. If in case there was a rejection, you will be notified via email with the reasons outlined for rejection.

If you had not heard back from the bank at all, this indicates that your application is still in decision pending status. You can wait a few days before calling and making an appointment with a representative.

Effective Method to Apply Indigo MasterCard Without Mail Offer Invitation

It is always good to have a pre-approved offer mailed to you which means Indigo has already screened your profile. But, there is certainly no cause for concern in this situation if your mail offer is missing. There is another way to apply for the credit card and submit your form for qualification.

Please search for on your search browser.

  • You will see a button that says “Check whether you are pre-qualified” on the webpage.

The following webpage will bring you to an application form. Some basic personal information will be required here such as your full name, suffix, primary address, city, state, zip code, date of birth, email address, and phone numbers must all be entered here.

After completing the form, please click the submit button to start the approval process. Indigo, with their fast process, can get back to the consumer within minutes of application submission.

Indigo Platinum Mastercard Benefits

1. It can help you in building up credit.

There are 3 major agencies that track your credit-related activities, TransUnion, Equifax, and Experian. These agencies connect with Indigo Mastercard to gather important data to produce a FICO score based on your credit performance. Indigo Mastercard gives the perfect opportunity to restore/build your credit simply by being punctual on your payments.

The FICO score is directly impacted by your payment history. By being punctual and informed, you can start qualifying/pre-approved for credit cards with better rates and packages along with a greater spending limit.

2. You can pre-qualify without risking your qualification.

Because Indigo conducts a soft credit pull initially to determine if you pre-qualify or not, there is no risk of damaging your credit score. This allows you to understand your basic credit report and see if you pre-qualify in advance in case you were looking to formally apply for Indigo Mastercard.

FYI, Pre-qualification is not the same as approval, it is simply an indication of a potential to get the card with Indigo. You will need to fill a formal application and give permission for a hard inquiry so the bank can determine if you are a great candidate for the credit card.

3. There are some extra benefits.

Mastercard advantages also have extended warranty coverage and travel assistance services. These are available with the Indigo Platinum Mastercard as well. This card is also internationally recognized due to its association with Mastercard with a low 1% exchange charge.

Inside Advice: Getting the Most Out of Your Card

Credit cards in general are a great tool if used properly. Before considering one, please understand how to responsibly use one and how does your payment history affect your credit score.

If you have never been denied a credit card before, Indigo does offer other cards as well, check to see if you are eligible for those options before you consider a card for rebuilding your credit. It is always good to investigate your options.

Institutions are usually good with presenting their information to the consumers with the right information that matters to them. It is always a good idea to check and see what the fine print and other details may say. You do not want to be blind-sided by an unforeseen situation. Your satisfaction for long-term also depends on you doing your due diligence.

Although not necessary in Indigo Mastercard’s case, you do want to give yourself some buffer time when it comes to payments and processing. We have seen some criticism in the past where the banks may have taken a longer time to process a payment which could ultimately affect your very credit that you are trying to build.

Finally, now that you have used the credit card responsibly, which helped build your credit. You can now start looking to get other cards with better benefits and packages. You might also be eligible for an increase in your credit limit.


  • Indigo Mastercard has a $0 annual charge for individual.
  • To make it more personalized, you have some options to chose in terms of designs for your physical card.
  • There is no security deposit required.
  • Your credit card can be used globally, and the foreign exchange fee is only 1% which is lower than the fees charged by other cards in this category.
  • Indigo has a fast-processing system, pre-qualification is simple, and the turnaround time for the bank is quick.
  • If your credit score is not the best, this card is for you.
  • Customer Support is available 24 hours a day, 7 days a week all year round.
  • All major credit bureaus in the United States are linked with your credit card.


  • Low credit limit of $300
  • As this card is for building credit, there are no further incentives.
  • Initially, based on your credit score, APR could be high to begin with. Reviews

Reviews from real people

May 30, 2021: Expensive annual charge, but helpful for construction. The annual charge is high, with a maximum limit of $300, but the service is AMAZING. Bina93 –

May 24, 2021: 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. – Tashatasha124

May 27, 2021: Assists with credit building and encourages me to spend carefully! – leecheeks – leecheeks – leecheeks

Popular Credit Card Blogs’ Reviews


Rating: Good

3.5 out of 5 stars.


Rating: Good

4.5 out of 5 stars

Final Verdict

On the off chance that you are still on the fence about applying for the Indigo Platinum Mastercard, consider it as means to help you build your credit. You can better your credit score assuming that you utilize the card responsibly and make your payments on time. With responsible use, you may be eligible for Indigo’s other credit cards with higher credit limits and added incentives. There may be other cards in the same category with other banks and institutions, but given then this card has no security deposit, and no annual surcharge or fees, it makes it the ideal choice when choosing the Indigo Mastercard.

Frequently Asked Questions

Could a low credit line put you in a bind?

While the Indigo Platinum Mastercard is proposed to clients with different credit profiles, it may not be appropriate for all spending plans. It is not necessary that you are bound by a low credit line but rather an opportunity for you to build your credit score and eventually increase your credit limit as the bank re-evaluates your profile.

If you have a balance, how much can you pay?

There is a minimum requirement that you need to pay at every end of the period, which is mentioned on your statement. The remaining balance will also get charged the interest amount depending on what your APR is. You could miss payments for a few reasons, but this could damage your credit score further.

Is Indigo an unsecured credit card?

There is no security deposit required, you can use the Indigo Mastercard up to your credit limit, making it an unsecured card.

What is the minimum credit score required for Indigo?

The Indigo Platinum Mastercard is for candidates with not the best credit (characterized by credit bureaus, as a financial assessment of 300 to 579) who need to set up or modify their record as a consumer (exchanges on the card are imparted to those offices).

For an unsecured credit card, what credit score is required?

Most of the unsecured credit cards require their clients to have an outstanding credit score (670 – 850). With this type of credit score, there is a lot more options that are available in credit cards that have incentives available. A few cards in the market will take on clients with lower credit score (580–669), these options allow for clients to build their credit.

Is it possible to use my Indigo card at an ATM?

Indeed, all the ATMs that can accept Mastercards, will accept Indigo Mastercard as well for cash advances. You will have a PIN code that you would have set which will allow you to withdraw cash at the ATM.

What is Indigo’s over-credit-limit coverage?

Regardless of whether you go over your credit limit on various occasions in a charging cycle, they will just charge you one over-limit expense each charging cycle. Assuming you haven’t been charged an over-limit expense in the past six charging cycles, the more overage charges will accrue

Is there an annual fee for the Indigo credit card?

The Indigo MasterCard has $0 annual fees. None of the cards in this category give out incentives, low introductory APR, and most of them have a low credit limit.

Is there an app for the Indigo card?

Yes, Indigo does have an app accessible to its clients. It can be downloaded from the play store for android users or the app store for Apple users.

What is the procedure for withdrawing funds from my Indigo card?

Go to an ATM using your Indigo credit card and the PIN that you have already assigned. Put your credit card in the slot and enter your PIN. Pick “Loan” starting from the drop menu. Select how much cash you need to take out.

How long does it take to receive a credit card from Indigo?

After filling out your application and submitting it, along with the logistics of being sent to your address, the Indigo Credit Card typically requires around fourteen days. If there is any issue and your card was misplaced during the shipment, you can contact the client care at (888) 260-4532 on the off chance that you don’t accept your Indigo Credit Card inside 21 days subsequent to being acknowledged.

Indigo credit card is issued by which bank?

The Indigo Mastercard is issued by Celtic Bank, based in Salt Lake City, UT.

Why is a good payment record important?

If you as a consumer has a great payment record, this will help you in gaining credibility with the lender. In the future, you will be eligible for better rates on your loans, mortgages and car payments.

Can I open more than one account?

At this time, you can only open one account at a time.

Is it possible to add another person on the account?

Yes, this is a possibility, although, the amount used by the other person will be your responsibility and you will be obligated to repay the bank.

Is it feasible for me to gain a loan?

With an Indigo charge card, you can obtain a loan. An expense of $5 or 5%, whichever is more noteworthy, will be charged.

Why was my credit card declined when I tried to use it for a foreign transaction?

The bank takes it very seriously when it comes to security risks and fraud. In case of travel outside of your home country, you will need to inform the bank of your travel plans by calling 1-866-946-9545.

What is a chip card?

A chip card is basically a feature on your card in addition to the black strip. This adds security to your card when used at the chip-enabled devices against counterfeit fraud.

Is the chip card easy to use?

Yes! The chip card is very simple to use. You simply input the card in the allotted slot and follow the instructions prompted on the screen. When the transaction is complete, simply pull the card out.

Can I manage my new Indigo Mastercard account online?

Yes, in addition to the cellphone app, you can also access all your information on the website. You will use to create a login and password for your account. The online account will allow you to pay your bills on time as well as make any necessary changes with ease.