Updated October 17, 2026 · DebitCue Editorial Team
Current Build Card vs DKB
Current Build Card
Higher score in this comparison
DKB
What sets them apart
| Compare | Current Build CardReviewVisitVisit | DKBReviewVisitVisit |
|---|---|---|
| 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 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 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
DKB suits people in Germany who want everyday spending and trips handled by the same bank, pairing a debit account with a credit card that pays and withdraws fee free worldwide at Visa points. The account itself has a €0 monthly fee, and the card adds card security tools on top.
Score breakdown
| Area | Current Build Card | DKB |
|---|---|---|
| Cost | 9.2Annual fee of $0 and APR of 0% sit at the value end, while a currency conversion fee of 3% lifts the cost abroad. | 9.2 |
| Offer | 9.7 | Not confirmed |
Positions in our rankings
| Ranking | Current Build Card | DKB |
|---|---|---|
| Credit cards | 14 of 1020 | 3 of 1020 |
Where each is licensed and available
| Country | Current Build Card | DKB |
|---|---|---|
| Germany | Not confirmed | |
| 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: 1.
Sources behind this comparison
Current Build Card
- current.com: 13 facts, checked September 26, 2026
DKB
- dkb.de: 8 facts, checked September 26, 2026
Every fact side by side
| Fact | Current Build Card | DKB |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards, Secured | Travel |
| Audience | Not confirmed | Kids |
| Legal entity | Finco Services, Inc. | Deutsche Kreditbank Aktiengesellschaft |
| Headquarters | United States | Germany |
| Support channels | Email, Chat, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Current Build Card | DKB | 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
Pros
- Worldwide payments and cash withdrawals at Visa points carry no fee, with emergency card and cash if the card is lost abroad (3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases)
- Visa Secure approvals and Card Control alerts and security settings come with the card (3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases)
- Digital Kiosk magazine access is included each month (3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases)
Cons
- The credit card adds €29.88 a year, and its rewards type is none
- The card type is debit while the card kind is credit, so daily money and borrowing sit on separate products
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
Who it suits
- People in Germany who want daily spending and travel handled by the same provider
- Travellers who pay at Visa points, where payments and withdrawals carry no fee (3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases)
- Parents and families, since the account is listed for kids (kids)
Who should look elsewhere
- Wise, whose account also has a £0 monthly fee, if you want the fee free account in a different currency market rather than the euro
- Varo Believe Secured Credit Card, with a $0 monthly fee, if you want a secured card for building credit instead of a current account plus travel card
- Chime Card (Secured Visa Credit Card), whose monthly fee is $0, if you would rather build credit on a secured Visa card than hold a euro current account
Current offers
Country by country
| Country | Current Build Card | DKB |
|---|---|---|
| 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
What does a DKB account cost?+
The debit account has a €0 monthly fee, which is the €0 across the brands on DebitCue. The credit card is charged separately at €29.88 a year, so holding both costs more than the account alone.
What does it cost to spend or withdraw money abroad?+
Worldwide payments and cash withdrawals at Visa points carry no fee, and the card offers emergency card and cash if it is lost abroad (3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad and Visa Secure authentication for online purchases). That suits trips where you pay mostly at Visa outlets rather than at a bureau de change.
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