Debit card

Current Spending Account Debit Card

Points

VISA

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Card review

Current Spending Account Debit Card

4.6 9.2/10 DebitCue Score Verified Jun 20, 2026

Banking with no hidden fees, early pay, and merchant rewards

Fee: No fee
Foreign fee: 3%
Rewards: Points

Rewards

Earn up to 15x points at 14,000+ participating merchants (e.g. Subway, Rite Aid, Cold Stone Creamery). Points redeem for cash at 100 points = $1. Requires qualifying payroll deposit of $200+ in the preceding 35-day period to earn points.

Welcome offer

$75 sign-up bonus with promo code PAYROLL75 when you receive an eligible payroll deposit of $200+ within 45 days of account opening.

Our verdict

What stands out, and where it falls short.

What we like

Earn up to 15x points at 14,000+ participating merchants…
Welcome bonus
No card fee

Worth weighing

3% foreign transaction fee

Who It Is For

Whether the Current Spending Account Debit Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Foreign transaction fee: 3%
Savings Pod APY: Up to 4.00% on balances up to $6,000 (requires $200+ qualifying direct deposit per 35 days)
Out-of-network ATM fee: $2.50 per transaction domestic; $3 + 3% international
Cash deposit fee: $3.50 per deposit at 60,000+ retail locations

Rewards and features

Rewards: Earn up to 15x points at 14,000+ participating merchants (e.g. Subway, Rite Aid, Cold Stone Creamery). Points redeem for cash at 100 points = $1. Requires qualifying payroll deposit of $200+ in the preceding 35-day period to earn points.
Welcome offer: $75 sign-up bonus with promo code PAYROLL75 when you receive an eligible payroll deposit of $200+ within 45 days of account opening.
Pay with: Apple Pay, Google Pay, Contactless
Overdraft protection: Fee-free overdraft (Overdrive) up to $200 for members with $200+ qualifying direct deposits in preceding 35 days
Merchant rewards: Up to 15x points at 14,000+ participating merchants; 100 points = $1 cash redemption
Paycheck Advance: Up to $750 earned wage advance via Finco Advance LLC for eligible members

Benefits and perks

Extras that come bundled with the card.

No Foreign Transaction Fee waiver

3% foreign transaction fee applies; no waiver available on this product
Visa Zero Fraud Liability

Zero liability on unauthorized Visa debit card transactions

Eligibility

What you need before you apply.

Minimum age: 18 years old (teen account available for ages 13-17 under parental supervision)

Current Spending Account Debit Card: your questions answered

Does the Current Spending Account Debit Card have a card fee?

No - the Current Spending Account Debit Card has no card fee.

What rewards does the Current Spending Account Debit Card earn?

The Current Spending Account Debit Card earns Earn up to 15x points at 14,000+ participating merchants (e.g. Subway, Rite Aid, Cold Stone Creamery). Points redeem for cash at 100 points = $1. Requires qualifying payroll deposit of $200+ in the preceding 35-day period to earn points..

Does the Current Spending Account Debit Card charge foreign transaction fees?

Yes - the Current Spending Account Debit Card charges a 3% foreign transaction fee.

Does the Current Spending Account Debit Card have a welcome offer?

Yes - $75 sign-up bonus with promo code PAYROLL75 when you receive an eligible payroll deposit of $200+ within 45 days of account opening..

Is the Current Spending Account Debit Card a credit, debit or prepaid card?

The Current Spending Account Debit Card is a debit card issued by Current on the Visa network.

Does the Current Spending Account Debit Card support Apple Pay and Google Pay?

Yes - the Current Spending Account Debit Card works with both Apple Pay and Google Pay.

Where can I get the Current Spending Account Debit Card?

The Current Spending Account Debit Card is currently offered in United States.

How does DebitCue rate the Current Spending Account Debit Card?

DebitCue rates the Current Spending Account Debit Card 4.6 out of 5 (9.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Current Spending Account Debit Card?

Use the Apply now button to continue on Current's secure site. Comparing and applying through DebitCue is free.