Build A
Credit History.
Safely, Securely.
No interest or annual fees.
No credit check to apply.
No credit check to apply.

Key Features
Start your credit journey with Latinum’s Visa Secured Charge Card. Pay everyday transactions like bills, expenses, and other items, without paying interest or fees.
- 1% Cash Back - Great card benefits and rewards on all purchases
- Mobile Payments - Enroll your card information in Apple Pay®, Google Pay® or Samsung Pay® to be able to pay with your phone in stores.
- A Modern Digital Experience - Paperless Onboarding, Digital Statements and Virtual Cards
How It Works
1Paperless Enrollment
Get approved in minutes with our paperless onboarding
How It Works
2Link Your Bank Account
Connect your external account in minutes.
How It Works
3Make a Deposit
Your security deposit will be held as collateral. You may access it at account closing.
How It Works
4Make Purchases Against Your Deposit
You can make everyday purchases up to the full amount of your security deposit.
How It Works
5Pay Your Balance on Time
Build a credit history through your on-time payments. Improve your credit journey with the credit bureaus.





Frequently Asked Questions
What’s the minimum deposit?
$25
Can I access my deposit?
You may add to it at any time to increase your credit limit, but can't transfer the money out.
Is Productfy a bank?
Productfy is a financial technology company that partners with Acme Bank on the consumer card program and acts as program manager.