Updated September 28, 2026 · DebitCue Editorial Team
Current Build Card vs DKB (Deutsche Kreditbank)
Current Build Card
Higher score in this comparison
DKB (Deutsche Kreditbank)
Where Current Build Card and DKB (Deutsche Kreditbank) differ
| Compare | Current Build CardReviewVisitVisit | DKB (Deutsche Kreditbank)ReviewVisitVisit |
|---|---|---|
| Annual fee | $0 | €29.88 |
| Rewards type | Points | None |
| Perks | Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit, Fee free overdraft, 40,000 fee free in network ATMs, Savings Pods with annual boosts up to 4.00%, Buy and sell crypto with no trading fees, Cash deposits at 60,000 retail locations, Credit reporting to Equifax, Experian and TransUnion, Teen and custodial accounts | 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad, Visa Secure authentication for online purchases, Card Control for transaction alerts and security settings, Worldwide fee free payments and cash withdrawals at Visa points |
| Card kind | Charge | Credit |
| APR | 0% | Not confirmed |
| Currency conversion fee | 3% | Not confirmed |
| Rewards rate | 1x points per $1 on eligible purchases, redeemable as cash back | Not confirmed |
| Credit needed | Poor | Not confirmed |
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Key differences
- Current Build Card scores higher overall: 9.4 vs 8.5.
- Perks: only Current Build Card offers Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit, Fee free overdraft.
- Perks: only DKB (Deutsche Kreditbank) offers 3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad, Visa Secure authentication for online purchases.
- Features: only Current Build Card offers Rewards, Secured.
- Features: only DKB (Deutsche Kreditbank) offers Travel.
Our verdict on each
Current Build Card
The Current Build Card suits US adults with poor credit who want a secured charge card with an annual fee of $0 and an APR of 0%. Foreign spend is the trade-off, since a currency conversion fee of 3% applies where the Varo Believe Secured Credit Card charges 0%. Overall 5.9.
DKB (Deutsche Kreditbank)
DKB (Deutsche Kreditbank) runs a current account at €0 with a credit card costing €29.88 a year on top, so it suits people already banking with the bank who want fee-free spending abroad. The card pays no rewards, so the annual fee has to earn its place through travel perks and security tools.
Score breakdown
| Area | Current Build Card | DKB (Deutsche Kreditbank) |
|---|---|---|
| Cost | 9.2HigherAnnual fee of $0 and APR of 0% sit at the value end, while a currency conversion fee of 3% lifts the cost abroad. | 8.3Credit card costs €29.88 a year while the current account is €0; the none rewards scheme offsets nothing. |
| Offer | 9.7Higher | 8.9 |
Where each is licensed and available
| Country | Current Build Card | DKB (Deutsche Kreditbank) |
|---|---|---|
| United States | NMLS (Finco Advance LLC) 2670557 NMLS (FinCo Licensing LLC) 2533115 Kansas Office of the State Bank Commissioner EWA.0000025 State of Missouri Division of Finance EWA-25-9579 Utah Division of Consumer Protection 14246805-EWAS | Not confirmed |
Additional countries for Current Build Card: 1. Additional countries for DKB (Deutsche Kreditbank): 1.
How they place
| Ranking | Current Build Card | DKB (Deutsche Kreditbank) |
|---|---|---|
| Credit cards | 14 of 1020 | 4 of 1020 |
What we checked
Current Build Card
- current.com: 13 facts, checked September 26, 2026
DKB (Deutsche Kreditbank)
- dkb.de: 8 facts, checked September 26, 2026
Every fact side by side
| Fact | Current Build Card | DKB (Deutsche Kreditbank) |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards, Secured | Travel |
| Audience | Not confirmed | Kids |
| Legal entity | Finco Services, Inc. | Deutsche Kreditbank AG |
| Headquarters | United States | Germany |
| Support channels | Email, Chat, Help centre | Not confirmed |
Debit cards
| Fact | Current Build Card | DKB (Deutsche Kreditbank) |
|---|---|---|
| Monthly fee | Not confirmed | €0 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
Where each stands against the rest
| Fact | Current Build Card | DKB (Deutsche Kreditbank) | Median |
|---|---|---|---|
| APR | 0%lowest quarter | Not confirmed | 19.39% |
| Currency conversion fee | 3%highest quarter | Not confirmed | 1% |
Median across 312 listed cards.
Pros and cons
Current Build Card
Pros
- Annual fee of $0 and APR of 0%, which places the card at 1 on annual fee out of 301 and at 1 on APR out of 133
- Opened for poor credit, poor, with a secured structure alongside rewards in rewards and secured
- Fee-free overdraft, a wide in-network ATM allowance and cash deposits at retail locations sit in Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit and Fee free overdraft
Cons
- A currency conversion fee of 3% applies abroad, against 0% on the Varo Believe Secured Credit Card and 0% on the Chime Card
- Support runs on email, chat and help centre, which leaves no phone line for an urgent dispute
- Rewards are points redeemable as cash back, so a reader after a richer scheme gets less from spending here
DKB (Deutsche Kreditbank)
Pros
- Payments and cash withdrawals at Visa points are fee-free worldwide, which suits spending on trips.
- Visa Secure authentication for online purchases and Card Control for alerts and security settings come as standard.
- Emergency card and emergency cash are available if the card is lost while abroad.
Cons
- The credit card charges an annual fee of €29.88 while the current account itself is €0.
- Spending earns nothing back, since the rewards type is none.
Who each suits
Current Build Card
Who it suits
- Adults in the US with poor credit who are turned down elsewhere, since the card is aimed at poor credit
- US residents paid by direct deposit who can use the early paycheck and savings features in Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit and Fee free overdraft
- Households wanting a single account covering a card, a savings pot and a teen account under the same provider
Who should look elsewhere
- Anyone spending heavily abroad, because the 3% conversion charge applies where the Varo Believe Secured Credit Card charges 0%
- Card users who want to talk to someone on the phone, since help runs on email, chat and help centre only
- People who want miles or a transferable points scheme, as this card pays points redeemable as cash back
DKB (Deutsche Kreditbank)
Who it suits
- People who bank with DKB and want a Visa credit card without leaving that relationship
- Travellers who want fee-free payments and cash withdrawals at Visa points
- Households in the kids segment of accounts DKB serves
Who should look elsewhere
- Wise, whose annual fee is £0, if paying for a credit line is the sticking point
- Chime Card, whose annual fee is $0, if you want a secured Visa credit card
- Varo Believe, whose annual fee is $0, if you prefer a secured card
Current offers
DKB (Deutsche Kreditbank)
Current offer
Bonus
Welcome bonus for new credit card holders: €30
Make three purchases of €5 or more each within 6 weeks of application. Valid for applications between 08/17/2026 and 12/31/2026. Bonus credited approximately 3 months after application
Source, checked September 26, 2026
First period offer
First year annual fee waived: €29.88
First year card fee covered by promotion if bonus conditions are met
Source, checked September 26, 2026
Country by country
| Country | Current Build Card | DKB (Deutsche Kreditbank) |
|---|---|---|
| Germany | No | Yes |
| United States | Yes | No |
Questions about each
Current Build Card
Is there an annual fee on the Current Build Card?+
The annual fee is $0, so the card costs nothing to keep open. That puts it at 1 on this measure out of 301 brands, and at the €0 site median. A reader who worries only about holding a card open finds nothing to pay here.
Will I pay interest on a balance?+
The APR is 0%, so a balance carried does not grow through interest on this card. It ranks at 1 on APR out of 133 brands, and the site median APR is 20.97%. The card is listed as a charge card in charge terms, so payment terms still matter even without interest.
DKB (Deutsche Kreditbank)
What does the DKB credit card cost each year?+
The credit card carries an annual fee of €29.88, set by DKB for the card itself. The current account is separate and charges €0, so the fee attaches to the credit line rather than to the everyday account used to pay.
Is there a monthly fee on the DKB current account?+
The current account is €0, so holding it carries no recurring charge. The card on its own is a different matter: the annual fee of €29.88 sits on top, and that is the part worth weighing before applying.
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