{"card":{"slug":"current-build-card","name":"Current Build Card","issuer":"current","currency":"Cash Back"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://current.com/spend/","history":[{"date":"2026-06","bonus":0,"spend":0,"months":0,"note":"No welcome offer"},{"date":"2026-10-12","observedOn":"2026-10-12","bonus":0,"spend":0,"months":0,"note":"No welcome offer. Build Card: $0 annual fee, 0.00% APR, no credit check, no minimum security deposit, 3% foreign transaction fee, 1x points on eligible purchases in app-selected categories with a $200 payroll deposit or Current Max","sourceUrl":"https://current.com/spend/","sourceLabel":"Current Spend page and Build Card Rates & Fees"}],"verificationEvents":[{"id":"3ed824f8-97ae-41ef-850f-29bca44cd0e1","entityType":"card","slug":"current-build-card","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:05.385Z","sourceUrl":"https://current.com/spend/","sourceLabel":"Current Spend page and Build Card Rates & Fees","outcome":"changed","summary":"$0 fee, 0.00% APR, no credit check and 3% FX fee confirmed; points are now 1x in app-selected categories with a $200 payroll deposit or Current Max (not dining and grocery); the old applyUrl returns 404.","changedFields":["earningRates","benefits","pros","cons","ourTake","applyUrl"],"facts":{"bonus":0,"annualFee":0,"foreignTransactionFee":3,"apr":0,"outOfNetworkAtmFee":3.5,"issuer":"Cross River Bank"},"previousHash":"c840223f0d5d33c0b4788600a809f07376b824645518c5c121a04fde5014812d","recordHash":"4b9c6468064eb19abad711b0a08eaae74758977bbdf279b9bc836dc7df142935"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}