Current Build Card
By Alex Compton · Last verified
Spend your Current balance like debit while the card reports it as credit.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1xEligible dining and grocery purchasesRequires qualifying payroll deposits to Current
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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.
Rate this card
Be the first to rate it
Commentson Build Card
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.