Updated September 29, 2026 · DebitCue Editorial Team
Current Build Card vs Revolut AU
Current Build Card
Higher score in this comparison
Revolut AU
Where Current Build Card and Revolut AU differ
| Compare | Current Build CardReviewVisitVisit | Revolut AUReviewVisitVisit |
|---|---|---|
| Annual fee | $0 | €0 |
| APR | 0%Lower | 13.34% to 17.99% |
| Currency conversion fee | 3% | 0% to 1%Lower |
| Rewards rate | 1x points per $1 on eligible purchases, redeemable as cash back | 1.5 points per EUR1 |
| Card kind | Charge | Credit |
| Credit needed | Poor | Not confirmed |
| 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 | Not confirmed |
Same on both: Rewards type (Points).
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Key differences
- Current Build Card scores higher overall: 9.4 vs 9.1.
- Revolut AU is licensed in 1 more country.
- APR is lower at Current Build Card: 0% vs 13.34% to 17.99%.
- Currency conversion fee is lower at Revolut AU: 0% to 1% vs 3%.
- Support channels: only Revolut AU offers Phone.
- Features: only Current Build Card offers Secured.
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.
Revolut AU
Revolut AU suits anyone who wants a fee free credit card with rewards and no routine charge. The annual fee is €0 and currency conversion fees run 0% to 1%, so keeping the card and paying abroad both stay cheap for everyday use.
Score breakdown
| Area | Current Build Card | Revolut AU |
|---|---|---|
| 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. | 9.5HigherAnnual fee of €0, credit interest of 13.34% to 17.99% and currency conversion fees of 0% to 1% keep the cost side light. |
| Offer | 9.7 | 9.9Higher |
| Trust | Not confirmed | 8.3 |
Choosing between them
Pick Current Build Card if apr matter most.
Pick Revolut AU if cost and currency conversion fee matter most.
Spending 1,000 abroad
Current Build Card
30
3% of 1,000
Revolut AU
0 to 10
0% to 1% of 1,000
Revolut AU comes out 30 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Current Build Card | Revolut AU |
|---|---|---|
| Rewards cards | 1 of 122 | 12 of 122 |
Every fact side by side
| Fact | Current Build Card | Revolut AU |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards, SecuredCovers more | Rewards |
| Legal entity | Finco Services, Inc. | Revolut Digital Assets (Europe) Ltd |
| Headquarters | United States | Cyprus |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Chat, Help centre | Chat, Email, Phone, Help centreCovers more |
Debit cards
| Fact | Current Build Card | Revolut AU |
|---|---|---|
| Monthly fee | Not confirmed | £0 |
| Free ATM withdrawals | Not confirmed | £200 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
| Currencies | Not confirmed | 160 |
Where each stands against the rest
| Fact | Current Build Card | Revolut AU | Median |
|---|---|---|---|
| APR | 0%lowest quarter | 13.34% to 17.99%lowest quarter | 19.39% |
| Currency conversion fee | 3%highest quarter | 0% to 1%below the median | 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
Revolut AU
Pros
- The annual fee is €0, so keeping the card open costs nothing
- Free ATM withdrawals come to £200 for cash abroad
- Rewards are worth 1.5 points per EUR1 on the credit card
Cons
- Credit interest runs at 13.34% to 17.99%, so a carried balance costs real money
- The card is a credit card, so overspending builds a balance that accrues interest
- Rewards come as points rather than cash back, which suits only readers who redeem points
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
Revolut AU
Who it suits
- Travellers who pay in several currencies and want low conversion fees
- People who want points on everyday spending without an annual charge
- Anyone who values phone and chat support for quick questions
Who should look elsewhere
- Oney Préstamos ES, where the annual fee is €10 rather than €0
- Gulf Bank, where the APR is 8.33% if borrowing cost matters more than points
- Amwal, which also charges an annual fee of SAR 0 in a different market
Country by country
| Country | Current Build Card | Revolut AU |
|---|---|---|
| Australia | 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.
Revolut AU
Is there an annual fee on the Revolut AU credit card?+
The annual fee is €0, so there is no routine charge for holding the card open. The monthly fee is £0 as well, which keeps the day to day cost low. Costs come from borrowing and from currency conversion instead.
What does it cost to borrow on this credit card?+
The interest rate on the credit card is 13.34% to 17.99%. That is the figure to weigh if you expect to carry a balance, and paying the balance in full each month avoids it. The card is a credit card, so credit does have to be repaid.
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