Introducing the Current Build Card, an innovative secured charge card that empowers you to build credit while avoiding interest, annual fees, or credit inquiries. Created for those with limited or no credit history, it uses your funds as your credit line—so you stay in control and build responsibly.
🎁 Credit Building, Not Rewards
- No cashback or points program — the Build Card is designed purely for credit progress.
- It reports to all three major credit bureaus monthly—Equifax, Experian, and TransUnion—when balances are paid off on time.
- Reddit users note occasional reporting issues: “I’ve been using my Current Build card for a few months … but just learned they only report to TransUnion.”
💸 Fees & Structure: Transparent, Affordable, Debt-Free
| Feature | Details |
|---|---|
| Annual fee | $0 — confirmed by NerdWallet and Current documentation |
| APR | None — purchases draw against your deposit, you can’t carry a balance |
| Foreign Transaction Fee | 3% of each converted transaction |
Unlike typical secured cards, there’s no minimum deposit — you add any amount to your Current account, and the Build Card adjusts accordingly.
📊 Tools & Account Management
- No credit check during application — ideal for credit invisibles.
- Autopay automatically pulls payment from your reserved funds so you’re never late.
- FICO Score tracking available via Current’s app, along with budgeting tools and early direct deposit features.
🗣️ Real-World Feedback
“I’ve been using my current build card… just learned they only report to TransUnion; my Vantage went up, but FICO remained untouched.”
This highlights a UX point: improvements may vary depending on which credit model you monitor. Always check reporting across all bureaus.
🔐 Built-In Security & Access
- Issued via Cross River Bank on the Visa network, accepted globally where Visa is honored.
- Zero Fraud Liability, EMV chip protection, and real-time fraud monitoring help keep your account safe.
✅ Who Should Consider It — And Who Should Look Elsewhere
Great for you if:
- You have no credit history or poor credit and qualify for few other cards.
- You want no hard credit check and an unsecured approach (funds remain yours).
- You’re prepared to use it short-term as a stepping stone to better cards.
Not ideal if:
- You qualify for no-fee secured or entry-level unsecured cards (e.g. Discover® Secured or student cards).
- You plan to carry a balance—since any unpaid balance isn’t allowed and you risk late fees.
- You’re looking for rewards, travel perks, or upgrade paths—Build Card has none.
🚀 How to Use It Wisely
- Download the Current app, open a Current bank account, and add funds.
- Apply for the Current Build Card without a credit check.
- Make small purchases using your reserved funds—never spend more than you deposit.
- Enable autopay so payments draw from reserved funds and are reported on time.
- Monitor your bureau reports; consider applying for an unsecured card after ~6 months.
- Cancel Build Card once you’ve graduated to a better option.
📄 Summary
- No annual fee. No APR.
- Uses your deposits—no spending beyond what you can pay.
- Reports to three credit bureaus.
- No credit check or deposit minimum.
- Basic financial tools and app integrations.
- Not suited for carrying balances or seeking rewards.
The Current Build Visa Secured Charge Card helps you build credit without risking debt—ideal for those needing a low-barrier, transparent path forward. Use it with discipline and plan to upgrade when your credit strengthens.
