Updated October 18, 2026 · DebitCue Editorial Team
Current vs Yendo
Current
Higher score in this comparison
Yendo
Where Current and Yendo differ
| Compare | CurrentReviewVisitVisit | 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 |
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 scores higher overall: 9.1 vs 8.7.
- Annual fee is lower at Current: $0 vs $40.
- APR is lower at Current: 0% vs 24.88% to 35.88%.
- Support channels: only Current offers Help centre.
- Support channels: only Yendo offers Phone.
- Features: only Current offers Crypto, Custodial.
- Features: only Yendo offers Rewards, Secured.
Our verdict on each
Current
Current suits people who want a no monthly fee account with a Visa debit card, fee-free overdrafts and crypto trading on the same balance. Weigh the currency conversion fee of 3% against a 1% site median, and check what the card costs you abroad.
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 | Yendo |
|---|---|---|
| Cost | 8.7HigherMonthly fee of $0 and annual fee of $0, but a currency conversion fee of 3% against a 1% site median. | 8.3Annual fee of $40 shapes fixed card cost |
| Offer | 9.6Higher | 9.3Cashback paid as 1.5% unlimited cashback drives card appeal |
| Trust | Not confirmed | 8.8Oversight through NMLS supports confidence |
What it costs in practice
A year with 1,000 spent abroad
Current
$0
1 × $0
Yendo
$40
1 × $40
Current 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.
Licences and countries
| Country | Current | Yendo |
|---|---|---|
| United States | Not confirmed | NMLS 2758990 |
Available in 1 country for both.
Where these facts come from
Current
- current.com: 14 facts, checked September 26, 2026
Yendo
- yendo.com: 11 facts, checked September 30, 2026
How they place
| Ranking | Current | Yendo |
|---|---|---|
| Credit cards | 21 of 1020 | 36 of 1020 |
| Secured credit cards | 3 of 27 | 6 of 27 |
Every fact side by side
| Fact | Current | Yendo |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Crypto, Custodial | Rewards, Secured |
| Audience | Kids | Not confirmed |
| 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 | 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
Pros
- Monthly fee of $0 and annual fee of $0, so keeping the account open costs you nothing to run
- Fee-free overdrafts, which means a short dip under your balance does not add a charge to your bill
- Buy and sell crypto with no trading fees, with the account also listed for custodial holdings
Cons
- A currency conversion fee of 3% against a 1% site median, so foreign spending costs more than it does with a low conversion pick
- Support runs on email, chat and help centre only, with no phone line when a card is frozen or a payment is disputed
- The account is a charge card in the charge sense, listed at 3.2% against 96.8% for the credit kind, so treat the balance as a sum to clear rather than revolving
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
Who it suits
- US customers who want no monthly fee and no annual fee on a Visa debit card
- Parents looking for teen and custodial accounts, the audience the brand lists
- People who want to hold and trade crypto inside the same spending account
Who should look elsewhere
- Anyone spending heavily abroad, since the 3% conversion fee sits well above the 1% site median, where Wise or a no foreign fee pick is cheaper
- People who need a phone line for urgent card problems, since support runs on email, chat and help centre
- Shoppers who want cash back as the standard reward, since points are the points model here
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 | Yendo |
|---|---|---|
| United States | Yes | Yes |
Questions about each
Current
Does Current charge a monthly or annual fee?+
No. The monthly fee is $0 and the annual fee is $0, so running the account costs you nothing. Money only leaves your balance when you spend it or draw cash, and foreign spending is where a charge can appear. It sits in the same no annual fee group as most compared brands.
How much does it cost to spend in another currency?+
The currency conversion fee is 3%, which is above the 1% site median and well above the 0% lower end. Because the card is on the Visa network, it works abroad, but the conversion charge is the number to budget for. Providers built for travel usually convert at a lower rate.
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.