Introducing the Current Build Card—a revolutionary secured credit card designed to make building credit simpler, safer, and more seamless than ever before. Whether you’re new to credit or looking to rebuild your credit history, the Build Card empowers you to establish a solid financial foundation through everyday purchases.
By integrating the Build Card with your Current Account, you can manage your spending, monitor your progress, and build credit without the risk of accumulating debt. Enjoy features like earning points on purchases, fee-free overdraft protection, and getting paid up to two days faster with direct deposit. The Current Build Card is not just a credit-building tool; it’s a comprehensive financial partner committed to helping you achieve your financial goals.
Outstanding Benefits of the Current Build Card
Build Credit with Everyday Purchases
The Build Card allows you to establish or improve your credit history by using it for routine expenses. Every swipe, including ATM transactions, contributes to building your credit profile, making the process intuitive and integrated into your daily life.
No Credit Checks Required
Regardless of your past credit history, the Build Card welcomes all applicants without conducting credit checks. This inclusive approach ensures that everyone has the opportunity to build or rebuild their credit without barriers.
Earn Points on Purchases
Earn 1x points for every dollar spent at grocery stores and restaurants. These points can be redeemed for cash back, providing additional value for your everyday spending.
Fee-Free Overdraft Protection
By setting up and receiving qualifying direct deposits, you can access fee-free overdraft protection. This feature offers a safety net, ensuring you’re covered in case of unexpected expenses.
Get Paid Up to 2 Days Faster
With direct deposit, receive your paycheck up to two days earlier than traditional banks. This expedited access to funds helps you manage your finances more effectively and meet financial obligations promptly.
No Annual Fees
Enjoy the benefits of the Build Card without the burden of annual fees. This cost-effective feature ensures that more of your money stays in your pocket, allowing you to focus on building your credit.
Access to Over 40,000 Fee-Free ATMs
Withdraw cash without incurring fees at over 40,000 in-network ATMs nationwide. This extensive network provides convenient and cost-free access to your funds whenever you need them.
Mobile Check Deposit
Save time by depositing checks directly through the Current app. This feature eliminates the need to visit a bank or ATM, making banking more convenient and efficient.
Spending Insights and Budgeting Tools
Utilize money management tools within the Current app to track your spending and create budgets. These insights help you make informed financial decisions and stay on top of your financial goals.
Gas Hold Removals
Current removes the holds that gas stations typically place on your account to ensure payment, making your funds available instantly. This feature ensures you have immediate access to your money after fueling up.
Build Credit Without Accumulating Debt
The Build Card is designed to help you build credit using only the money in your account. By enabling AutoPay, you can ensure timely payments without the risk of overspending or falling into debt.
Eligibility Criteria for the Current Build Card
To apply for the Current Build Card, you must meet the following criteria:
- Age: Be at least 18 years old.
- Current Account: Have an active Current Individual Account in good standing.
- Direct Deposit: Receive at least $500 in eligible payroll deposits into your Current Account over a rolling 35-day period, with at least one deposit of $200 or more.
The Current Build Card offers a comprehensive solution for individuals seeking to build or improve their credit history.
How to Apply for the Current Build Card
Applying for the Current Build Card is straightforward. Follow these steps:
- Open a Current Account: Download the Current app and sign up for an Individual Account if you haven’t already.
- Set Up Direct Deposit: Arrange for your paycheck to be directly deposited into your Current Account to meet the eligibility criteria.
- Apply for the Build Card: Once your account meets the direct deposit requirements, apply for the Build Card through the Current app.
- Start Building Credit: Use your Build Card for everyday purchases, enable AutoPay, and monitor your progress within the app.
With its user-friendly features and commitment to financial empowerment, it’s an excellent choice for taking control of your financial future.
