VisaCurrent Build Card
Spend your Current balance like debit while the card reports it as credit.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
None
required (no credit check)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1xEligible dining and grocery purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No annual fee, no APR, no credit check, and no separate security deposit
- ✦Purchases draw on your Current balance, which is reserved automatically so you cannot overspend
- ✦AutoPay clears the balance twice a month from reserved funds
- ✦Reports to all three credit bureaus, issued by Cross River Bank
- ✦Earns points on dining and groceries with a qualifying payroll deposit
Why it earns its spot
- +Zero-debt-risk design: spent money is reserved before the bill exists
- +Some actual rewards, which most builder cards skip
- +Reports to all three bureaus
Where it costs you
- −Requires banking with Current to be useful
- −3% foreign transaction fee and out of network ATM fees
- −No graduation path to an unsecured product
The Compound Verdict
Current's Build Card is the same playbook as Chime and Varo: your own money is the limit, autopay makes missed payments nearly impossible, and the bureaus see a clean revolving tradeline. The dining and grocery points are a small genuine edge over those rivals. Pick whichever of the three apps you already bank with, because the card only works inside its ecosystem.
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