Credit card

Current Build Card

Points

VISA

Apply for Current Build Card

On Current's secure site

Compare similar cards

Credit card Current Visa

Card review

Current Build Card

4.5 9.0/10 DebitCue Score Verified Jun 20, 2026

Build credit with no credit check, no deposit, no APR

Fee: No fee
Purchase APR: from 0%
Interest-free: -
Foreign fee: 3%

Rewards

Earn 1 point per $1 on eligible categories (dining, groceries, and categories you select in the app) with a qualifying direct deposit of $200+ in the preceding 35 days. Points expire 365 days after settlement. Redeem for cash back (100 points = $1) with no redemption fees.

Our verdict

What stands out, and where it falls short.

What we like

Earn 1 point per $1 on eligible categories (dining,…
No card fee

Worth weighing

3% foreign transaction fee

Who It Is For

Whether the Current Build Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: from 0%
Interest-free period: -
Foreign transaction fee: 3%
APR: 0% — no interest charges; you cannot carry a revolving balance
Annual fee: $0
Late payment fee: 3% of the overdue balance (applies after 2+ billing cycles delinquent)
Foreign transaction fee: 3% of transaction amount (minimum $0.50)

Rewards and features

Rewards: Earn 1 point per $1 on eligible categories (dining, groceries, and categories you select in the app) with a qualifying direct deposit of $200+ in the preceding 35 days. Points expire 365 days after settlement. Redeem for cash back (100 points = $1) with no redemption fees.
Pay with: Apple Pay, Google Pay, Contactless
Credit limit: Equal to your Current account spending balance — no separate security deposit required
AutoPay: Balance paid automatically from reserved funds twice per month

Benefits and perks

Extras that come bundled with the card.

Full bureau reporting

Reports to Experian, TransUnion, and Equifax monthly
Visa Zero Fraud Liability

Zero liability on unauthorized transactions

Eligibility

What you need before you apply.

Requirements: Must be 18+, have an active Current spending account, and receive $200+ qualifying direct deposit in preceding 35 days to earn points

Current Build Card: your questions answered

Does the Current Build Card have a card fee?

No - the Current Build Card has no card fee.

What rewards does the Current Build Card earn?

The Current Build Card earns Earn 1 point per $1 on eligible categories (dining, groceries, and categories you select in the app) with a qualifying direct deposit of $200+ in the preceding 35 days. Points expire 365 days after settlement. Redeem for cash back (100 points = $1) with no redemption fees..

Does the Current Build Card charge foreign transaction fees?

Yes - the Current Build Card charges a 3% foreign transaction fee.

What is the interest rate on the Current Build Card?

The Current Build Card has a purchase APR of from 0%.

Is the Current Build Card a credit, debit or prepaid card?

The Current Build Card is a credit card issued by Current on the Visa network.

Does the Current Build Card support Apple Pay and Google Pay?

Yes - the Current Build Card works with both Apple Pay and Google Pay.

Where can I get the Current Build Card?

The Current Build Card is currently offered in United States.

How does DebitCue rate the Current Build Card?

DebitCue rates the Current Build Card 4.5 out of 5 (9.0/10), scored on the same factors as every card - fees, rewards, perks and ease of use.