Updated September 28, 2026 · DebitCue Editorial Team
Current Build Card vs Revolut
Current Build Card
Higher score in this comparison
Revolut
Where Current Build Card and Revolut differ
| Compare | Current Build CardReviewVisitVisit | RevolutReviewVisitVisit |
|---|---|---|
| Annual fee | $0 | €0 |
| APR | 0%Lower | 13.34% to 17.99% |
| Currency conversion fee | 3% | 0% to 2%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).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Current Build Card scores higher overall: 9.4 vs 9.2.
- Revolut is licensed in 2 more countries.
- Revolut is available in 28 more countries.
- APR is lower at Current Build Card: 0% vs 13.34% to 17.99%.
- Currency conversion fee is lower at Revolut: 0% to 2% vs 3%.
- Support channels: only Revolut offers Phone.
- Features: only Current Build Card offers Rewards, Secured.
- Features: only Revolut offers Multi currency, Virtual card, 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.
Revolut
Revolut suits readers who want a fee free multi-currency card for daily spending and trips abroad. Costs stay low with a monthly fee of £0 and conversion fees of 0% to 2%. The credit side costs more, with an annual fee of €0 and an APR of 13.34% to 17.99%.
Score breakdown
| Area | Current Build Card | Revolut |
|---|---|---|
| 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. | 9.4HigherMonthly fee £0, annual fee €0, conversion fee 0% to 2% and £200 in free ATM withdrawals. |
| Offer | 9.7 | 9.9HigherRewards of 1.5 points per EUR1 on a points card, multi-currency across 160 currencies. |
| Trust | Not confirmed | 8.6 |
Where they rank in our lists
| Ranking | Current Build Card | Revolut |
|---|---|---|
| Credit cards | 14 of 1020 | 19 of 1020 |
| Rewards cards | 1 of 122 | 3 of 122 |
Every fact side by side
| Fact | Current Build Card | Revolut |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards, Secured | Multi currency, Virtual card, Travel |
| 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 |
Where each stands against the rest
| Fact | Current Build Card | Revolut | Median |
|---|---|---|---|
| APR | 0%lowest quarter | 13.34% to 17.99%lowest quarter | 19.39% |
| Currency conversion fee | 3%highest quarter | 0% to 2%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
Pros
- No monthly cost, with a monthly fee of £0 and an annual fee of €0 on the credit card
- Currency conversion fees of 0% to 2% compare well with Wise at 0.1%
- Multi-currency balances across 160 currencies, and multi-currency is a 34.9% share of the brands compared
Cons
- The credit card charges an APR of 13.34% to 17.99%, below the field median of 20.97% but still a cost on borrowed money
- Rewards pay 1.5 points per EUR1 in points, while cashback is the most common rewards type at 49.5%
- Currency conversion fees of 0% to 2% sit above the median of 1% for the field, so frequent conversions add up
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
Who it suits
- Travellers holding money in several currencies, given 160 supported currencies
- Anyone who wants a fee free card, with a monthly fee of £0 and free withdrawals to £200
- Points earners who will use the 1.5 points per EUR1 rate on the credit card
Who should look elsewhere
- Anyone who wants cashback rewards, since points are the only reward type on offer and cashback leads the field at 49.5%
- Frequent travellers who want the thinnest conversion margin, since Wise charges 0.1%
- Borrowers who want a longer interest free window, as the credit card APR starts at 13.34% to 17.99%
Country by country
| Country | Current Build Card | Revolut |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 29 countries where either is available.
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
What does Revolut cost to hold each month?+
Revolut charges a monthly fee of £0, so the standard account costs nothing to keep open. That sits at position 1 of 419 brands in the comparison, and the field median monthly fee is €0.
What are the fees on the Revolut credit card?+
The credit card carries an annual fee of €0 and an APR of 13.34% to 17.99%. Revolut sits in the no-annual-fee model at no annual fee, and the site median APR across the credit field is 20.97%, so borrowing costs sit below the typical range.
Other options to compare
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