Updated September 28, 2026 · DebitCue Editorial Team
Current Build Card vs Mission Lane
Current Build Card
Higher score in this comparison
Mission Lane
Current Build Card vs Mission Lane: the differences
| Compare | Current Build CardReviewVisitVisit | Mission LaneReviewSee alternativesSee alternatives |
|---|---|---|
| Rewards type | Points | Cashback |
| Rewards rate | 1x points per $1 on eligible purchases, redeemable as cash back | 3% on gas, travel and dining, 1% on all other purchases (Gold Line Visa); 1.5% on every purchase (Silver Line Visa) |
| Credit needed | Poor | Good |
| 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 | Visa Zero Liability Policy, Automatic payment reminders, Free online TransUnion credit score, Digital wallet (Apple Pay, Google Pay, Samsung Pay), Mission Lane mobile app |
| Card kind | Charge | Credit |
| APR | 0% | Not confirmed |
| Currency conversion fee | 3% | Not confirmed |
Same on both: Annual fee ($0).
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Key differences
- Current Build Card scores higher overall: 9.4 vs 9.0.
- 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 Mission Lane offers Visa Zero Liability Policy, Automatic payment reminders, Free online TransUnion credit score.
- Support channels: only Current Build Card offers Email, Chat.
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.
Mission Lane
Mission Lane suits US borrowers who want cashback and a secured option without paying anything to hold a card. Its annual fee of $0 matches the site median of €0, and cashback rewards cover 49.5% of the cards we compare.
Score breakdown
| Area | Current Build Card | Mission Lane |
|---|---|---|
| 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. | 9.3HigherAnnual fee $0 against a site median of €0, plus cashback on every purchase. |
| Offer | 9.7Higher | 8.6 |
Where each is licensed and available
| Country | Current Build Card | Mission Lane |
|---|---|---|
| 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 | NMLS (SafeAct registration) 1857501 |
Available in 1 country for both.
Positions in our rankings
| Ranking | Current Build Card | Mission Lane |
|---|---|---|
| Credit cards | 14 of 1020 | 203 of 1020 |
| Secured credit cards | 1 of 27 | 15 of 27 |
Cost in a real example
A year with 1,000 spent abroad
Current Build Card
$0
1 × $0
Mission Lane
$0
1 × $0
Both come to the same total.
Excludes currency conversion fee (not stated by Mission Lane). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where these facts come from
Current Build Card
- current.com: 13 facts, checked September 26, 2026
Mission Lane
- missionlane.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Current Build Card | Mission Lane |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards, Secured | Rewards, Secured |
| Legal entity | Finco Services, Inc. | Mission Lane LLC |
| Headquarters | United States | United States |
| Support channels | Email, Chat, Help centreCovers more | Help centre |
Where each stands against the rest
| Fact | Current Build Card | Mission Lane | Median |
|---|---|---|---|
| Annual fee | $0at the median | $0at the median | $0 |
| 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
Mission Lane
Pros
- Annual fee of $0, the same as the site median of €0
- Cashback rewards on every purchase, with bonus rates on gas, travel and dining
- Offers both unsecured and secured cards, and only good credit is needed
Cons
- Support runs on help centre only, so questions go through written resources
- Two card tiers with different cashback rates mean the reward depends on which card you pick
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
Mission Lane
Who it suits
- US borrowers with good credit who want cashback without an annual charge
- People building or rebuilding a credit record who prefer a secured option
Who should look elsewhere
- Anyone wanting live phone or chat support, since help centre is the only channel listed
- Card shoppers who want a single flat cashback rate on every purchase
Country by country
| Country | Current Build Card | Mission Lane |
|---|---|---|
| United States | Yes | Yes |
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.
Mission Lane
Does Mission Lane charge an annual fee?+
No. The annual fee is $0, which matches the site median of €0. That puts Mission Lane at the cheapest end of the 670 cards we compare on this page, where the highest annual fee is €167.70. Holding either card costs nothing in fees.
What cashback do I get on the Mission Lane cards?+
The Gold Line Visa pays bonus cashback on gas, travel and dining and a smaller rate on all other purchases, while the Silver Line Visa pays one flat rate on every purchase. Either way the rewards are cashback, not points or miles. Cashback is the most common reward type on the site, at 49.5%.
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Current Build Card
Mission Lane