Current Build Card
By Alex Compton · Last verified
Spend your Current balance like debit while the card reports it as credit.
Welcome Bonus
None
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
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.
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 |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo 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 | Current Spend page and Build Card Rates & Fees → |
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
$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.
Fields: earningRates, benefits, pros, cons, ourTake, applyUrl
Current Spend page and Build Card Rates & Fees →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Earning Rates
- 1xEligible purchases in the categories you select in the appRequires a $200+ eligible payroll deposit within 35 days or a Current Max subscription; points redeem for cash back and expire after 365 days
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No annual fee, 0.00% APR, no credit check, and no minimum security deposit
- ✦Purchases draw on the money in your Current Account, so you cannot overspend
- ✦AutoPay pays the balance from your account; the due date is 15 days after each billing cycle closes
- ✦Reports to Equifax, Experian, and TransUnion, issued by Cross River Bank
- ✦Earns 1x points in app-selected categories with a qualifying payroll deposit or Current Max
Why it earns its spot
- +Low-debt-risk design: purchases draw on money already in your Current Account
- +Some actual rewards, which most builder cards skip
- +Reports to all three bureaus
Where it costs you
- −Requires a Current deposit account to apply
- −3% foreign transaction fee, $3.50 out of network ATM fee, and a 3% late fee on balances two or more cycles past due
- −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 category points, available with a payroll deposit or Current Max, 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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