A new way to build credit. Say goodbye to credit checks, fees, and interest.
If you’ve been looking for a simple, safe, and effective way to build credit without the risks of traditional credit cards, the Current Build Card could be exactly what you need. Designed for those starting their credit journey or recovering from past setbacks, it works like a debit card while helping you create a positive credit history.
Paired with the Current mobile app, this secured charge card lets you control how much you spend, avoids interest charges entirely, and reports your responsible use to all three major credit bureaus. It’s a modern solution for building credit on your own terms.
10 Benefits of the Current Build Card
1. No Credit Check Required
You can apply and be approved without a hard inquiry, so your credit score won’t be impacted when you sign up.
2. No Interest Charges
Since you spend only the money you’ve added to your secured account, there are no interest rates or revolving balances.
3. Reports to All Three Major Credit Bureaus
Every month, your on-time payments are reported to Experian, Equifax, and TransUnion, helping you steadily build your credit history.
4. Spend Only What You Load
You decide how much money to add to your secured account. This prevents overspending and keeps you from falling into debt.
5. No Annual Fee
You get all the benefits of a credit-building card without paying a yearly fee.
6. Instant Transfers from Your Current Account
If you already have a Current spending account, you can move money instantly to your Build Card balance.
7. Mobile App Control
Track spending, load funds, set up notifications, and view your credit progress right from the Current app.
8. Accepted Everywhere Visa® Is
The Build Card is part of the Visa® network, so you can use it at millions of merchants worldwide.
9. Automatic Payments to Protect Your Score
Your purchases are automatically paid off each month from your secured balance, helping ensure you never miss a payment.
10. FDIC-Insured Funds
Money in your secured account is protected up to the allowable limits through Current’s banking partner.
Who Can Apply?
To be eligible for the Current Build Card, you must:
- Be 18 years or older
- Live in the United States
- Have a valid Social Security Number (SSN) or ITIN
- Have a Current account in good standing
- Provide a verifiable funding source
How to Apply
- Download the Current mobile app (iOS or Android)
- Sign in or create your Current account
- Go to the Build Card section and select “Apply”
- Verify your identity and account information
- Fund your secured balance
- Receive approval instantly in most cases
- Get your physical card by mail within a few business days
Frequently Asked Questions (FAQ)
1. Is there a credit check to get the Current Build Card?
No. There’s no hard credit inquiry, so applying won’t affect your score.
2. Does the card charge interest?
No. Since you can only spend what you’ve loaded, there’s no interest and no revolving balance.
3. Will it help improve my credit score?
Yes. On-time payments are reported to all three major credit bureaus each month.
4. Is there an annual fee?
No. The Current Build Card has $0 annual fee.
5. Can I use it internationally?
Yes. It’s accepted anywhere Visa® cards are accepted.
6. How do I add money to my Build Card?
You can transfer funds instantly from your Current spending account to your secured balance.
