Current Build Card: A Fee-Free Way to Build Credit
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Current Build Card: A Fee-Free Way to Build Credit
Current Build Card is a secured Visa® credit card that helps you build positive credit history through everyday purchases.
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Current Build Card: A Fee-Free...
What Is the Current Build Card?
The Current Build Card is a secured credit card designed to help you establish or improve your credit history without the usual barriers.
Unlike traditional secured cards, you don’t need to put down a large upfront deposit.
Instead, your Current spending balance secures your credit line, and on-time payments are reported to all three major credit bureaus (Experian, Equifax, and TransUnion).
With automatic payments, rewards on purchases, and no interest charges, the Build Card makes building credit simple and safe.
Current Build Card Overview
| Offer | Best For | Fees | Get Started |
|---|---|---|---|
| Secured Credit Card | People with no credit or poor credit looking for a fee-free way to build credit | $0 annual fee, $0 minimum deposit | Visit Current |
How the Current Build Card Works
Issued by Cross River Bank, the card is linked to your Current account, requires no hard credit check, no minimum security deposit, and comes with no annual fees.
- Open a Current Account: You’ll need a Current spending account to qualify.
- Apply in the App: Request the Build Card directly in the Current app with no credit check.
- Spend Responsibly: Purchases are backed by your Current balance, and funds are reserved to ensure you can pay your bill.
- AutoPay: Current automatically pays your balance twice a month from your reserved funds.
- Build Credit: On-time payments are reported to Experian, Equifax, and TransUnion to help improve your credit score.
Key Features & Benefits
| Feature | Benefit |
|---|---|
| No Credit Check | Accessible to people with no or poor credit—apply without impacting your score. |
| No Minimum Deposit | Your credit limit is based on the balance in your Current account, not a large upfront deposit. |
| No Fees | $0 annual fee, $0 maintenance fees, and free ATM withdrawals at 40,000+ Allpoint ATMs. |
| Credit Bureau Reporting | On-time payments reported to Experian, Equifax, and TransUnion. |
| AutoPay System | Automatically pays your balance twice a month, helping prevent missed payments. |
| Rewards Points | Earn points on eligible dining and grocery purchases, redeemable for cash back. |
| Extra Perks | Gas hold removals, round-up savings, and spending controls to help you stay on track. |
Who Is the Current Build Card For?
- Individuals new to credit or looking to rebuild credit history
- People denied traditional secured or unsecured credit cards
- Anyone who wants to build credit without paying fees or interest
Pricing & Fees
- Annual Fee: $0
- Security Deposit: None required—credit limit is tied to your Current account balance
- Interest (APR): No APR, since balances are paid automatically
- ATM Fees: $0 at 40,000+ in-network ATMs
Trust & Security
- Issued by Cross River Bank, Member FDIC
- Reports to all three credit bureaus: Experian, Equifax, and TransUnion
- Bank-level encryption and fraud protection
- Highly rated app: 4.8 stars on the App Store, 4.6 stars on Google Play
Current Build Card Frequently Asked Questions
Do I need a credit check to apply?
No. The Current Build Card does not require a credit inquiry, making it accessible for people with no or low credit scores.
How is my credit limit determined?
Your credit limit is based on the balance in your Current account. There’s no fixed deposit requirement.
Does the Build Card charge interest?
No. Since your balance is automatically paid from your reserved funds, there’s no APR or interest charges.
Which credit bureaus does Current report to?
Current reports your payment history to Experian, Equifax, and TransUnion.
Start Building Credit with the Current Build Card
Get a fee-free credit-building card with no credit check, no minimum deposit, and automatic payments.
| Features & Access | Debit Card, Mobile Deposit |
|---|---|
| Fees & Pricing | No Monthly Fees |
| Minimum Deposit | $0 Minimum |
| Perks & Value Adds | Rewards & Cashback |
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