Updated October 18, 2026 · DebitCue Editorial Team
Current Build Card vs Yendo
Current Build Card
Higher score in this comparison
Yendo
What sets them apart
| Compare | Current Build CardReviewVisitVisit | YendoReviewVisitVisit |
|---|---|---|
| Annual fee | $0Lower | $40 |
| APR | 0%Lower | 24.88% to 35.88% |
| Rewards type | Points | Cashback |
| Rewards rate | 1x points per $1 on eligible purchases, redeemable as cash back | 1.5% unlimited cashback |
| Card kind | Charge | Credit |
| Currency conversion fee | 3% | Not confirmed |
| 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 |
| Cashback rate | Not confirmed | 1.5% |
| Regulators | Not confirmed | NMLS |
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Key differences
- Current Build Card scores higher overall: 9.4 vs 8.7.
- Annual fee is lower at Current Build Card: $0 vs $40.
- APR is lower at Current Build Card: 0% vs 24.88% to 35.88%.
- Support channels: only Current Build Card offers Help centre.
- Support channels: only Yendo offers Phone.
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.
Yendo
Yendo suits spenders in the US who want vehicle secured credit with cashback on everyday purchases, backed by support across email, chat and phone. The card carries an annual fee of $40 and APR of 24.88% to 35.88%, with rewards paid as 1.5% unlimited cashback.
Score breakdown
| Area | Current Build Card | Yendo |
|---|---|---|
| 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. | 8.3Annual fee of $40 shapes fixed card cost |
| Offer | 9.7Higher | 9.3Cashback paid as 1.5% unlimited cashback drives card appeal |
| Trust | Not confirmed | 8.8Oversight through NMLS supports confidence |
Positions in our rankings
| Ranking | Current Build Card | Yendo |
|---|---|---|
| Credit cards | 14 of 1020 | 36 of 1020 |
| Secured credit cards | 1 of 27 | 6 of 27 |
Licences and countries
| Country | Current Build Card | Yendo |
|---|---|---|
| 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 2758990 |
Available in 1 country for both.
The bill, worked out
A year with 1,000 spent abroad
Current Build Card
$0
1 × $0
Yendo
$40
1 × $40
Current Build Card costs $40 less.
Excludes currency conversion fee (not stated by Yendo). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 30, 2026.
Every fact side by side
| Fact | Current Build Card | Yendo |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards, Secured | Rewards, Secured |
| Legal entity | Finco Services, Inc. | Yendo Inc. |
| Headquarters | United States | United States |
| Support channels | Email, Chat, Help centre | Email, Chat, Phone |
Where each stands against the rest
| Fact | Current Build Card | Yendo | Median |
|---|---|---|---|
| Annual fee | $0at the median | $40highest quarter | $0 |
| APR | 0%lowest quarter | 24.88% to 35.88%above the median | 19.39% |
| Currency conversion fee | 3%highest quarter | Not confirmed | 1% |
| Cashback rate | Not confirmed | 1.5%at the median | 1.5% |
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
Yendo
Pros
- Cashback paid as 1.5% unlimited cashback through cashback gives steady value on everyday card spending.
- Support through email, chat and phone gives choice across email, chat and phone when help matters.
- NMLS oversight through NMLS with licence 2758990 gives clear public records for US readers.
Cons
- Annual fee of $40 costs more than Oney Préstamos with fees of €0 when fixed charges matter.
- APR of 24.88% to 35.88% sits above typical cashback APR at 22.1%, which raises the cost of carried balances.
- Cashback at 1.5% through cashback may feel narrow next to Qonto for readers who want non rewards card use.
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
Yendo
Who it suits
- Drivers with a vehicle who want secured credit tied to cashback rewards on everyday spending
- US readers who value NMLS licensing clarity plus email, chat and phone support access
Who should look elsewhere
- Readers who want the lowest fixed fee should look at Oney Préstamos because it lists fees of €0 against Yendo fees of $40.
- Readers who want to avoid interest on carried balances should look at Qonto because card borrowing costs matter more than cashback here.
Country by country
| Country | Current Build Card | Yendo |
|---|---|---|
| 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.
Yendo
What does the Yendo card charge each year+
Yendo lists an annual fee of $40 for the card. You pay that charge to keep the account open even when spending stays modest. Compare that amount with cards that list lower fixed fees before you apply.
How does interest work when a balance carries over+
Yendo lists APR of 24.88% to 35.88% for balances that revolve. You face interest charges when you carry debt past the due date. Paying the statement balance in full helps you avoid those extra costs.
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