Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Current Build Card review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

The Current Build Card suits US adults building credit who want a secured card with no annual fee. Its rewards are one point per dollar on eligible purchases, redeemable as cash back. Foreign spend costs 3%, so it is poor value abroad and better kept for domestic use.

Key facts

Best for
A first card for US adults with poor credit who want a free secured card that reports to the three credit bureaus.
Annual fee
$0↗
APR
0%↗
Currency conversion fee
3%↗
Rewards type
Points↗
Rewards rate
1x points per $1 on eligible purchases, redeemable as cash back↗
Credit needed
Poor↗
Perks
Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit, Fee-free overdraft, 40,000 fee-free in-network ATMs, Savings Pods with annual boosts up to 4.00%, Buy and sell crypto with no trading fees, Cash deposits at 60,000 retail locations, Credit reporting to Equifax, Experian and TransUnion, Teen and custodial accounts↗
Card kind
Charge↗
Legal entity
Finco Services, Inc.↗
Headquarters
United States↗
Support channels
Email, Chat, Help-centre↗
Pricing model
No annual fee
Features
Rewards, Secured
Official website
current.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaTrustpilotLinkedInXbbb.org

Pros and cons

Pros

  • Annual fee of $0 and an APR of 0%, so holding and carrying a balance cost nothing
  • Secured, so it suits a poor credit profile
  • Points on eligible purchases, redeemable as cash back, with a points scheme
  • Credit reporting to Equifax, Experian and TransUnion, so on-time use can build a file

Cons

  • Currency conversion fee of 3% is the weak spot for travel spending
  • Support runs on email, chat and help centre only, with no phone line listed
  • It is a charge card, so full balances come due each cycle rather than revolving on terms
Current Build Card

Ready to try Current Build Card?

Scored 9.4 / 10 by SumCue.

Visit

Who it suits

  • US adults with a poor credit history needing a first card with no annual fee
  • Anyone who wants a secured card reporting to Equifax, Experian and TransUnion
  • Direct deposit earners who value early pay and fee-free overdrafts

Who should look elsewhere

  • Frequent travellers, since the currency conversion fee of 3% applies on foreign spend
  • Anyone who wants to revolve a balance on a card credit line, as this is a charge card
  • People who need phone support, since channels are limited to email, chat and help centre

Fees and currency costs

Holding the Current Build Card costs an annual fee of $0, and the APR is 0%, so there is no interest charge to weigh up. The cost sits in currency conversion: foreign transactions are charged at 3%, higher than the fee on many mainstream cards in the US. Keep the card for domestic spending and treat it as a credit-building tool rather than a travel wallet.

How Current Build Card compares

Where Current Build Card is available

Available
United States
Licence in United States
NMLS (Finco Advance LLC) (2670557), checked September 26, 2026
Licence in United States
NMLS (FinCo Licensing LLC) (2533115), checked September 26, 2026
Licence in United States
California Department of Financial Protection and Innovation (DFPI) (11406-99), checked September 26, 2026
Licence in United States
State of Indiana Department of Financial Institutions (76789), checked September 26, 2026
Licence in United States
Kansas Office of the State Bank Commissioner (EWA.0000025), checked September 26, 2026
Licence in United States
State of Missouri Division of Finance (EWA-25-9579), checked September 26, 2026
Licence in United States
South Carolina Department of Consumer Affairs, checked September 26, 2026
Licence in United States
Utah Division of Consumer Protection (14246805-EWAS), checked September 26, 2026
Licence in United States
Arizona Department of Insurance and Financial Institutions (CA-1050635), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much is the Current Build Card to keep?+

There is no annual fee, so the card costs nothing to hold in the US. The APR is 0%, which means no interest is added to balances. The only charge to watch is the 3% currency conversion fee on foreign spending.

Who can apply for this secured card?+

It is built for a poor credit profile, since a secured card backs your limit with a deposit rather than a long credit history. Teen and custodial accounts are also offered, so younger US account holders can start building a file.

Does the card build a credit history?+

Yes. The account reports to Equifax, Experian and TransUnion, the three US credit bureaus. Paying the balance on time each month gives those reports a record, which is the main reason to keep this card open.

What rewards do I get on spending?+

Eligible purchases earn one point per dollar, and the points can be redeemed as cash back, so the scheme is a points setup rather than miles. The rate is modest, so treat rewards as a side benefit and not a reason to spend more.

What is the account regulated by?+

The account is held by Finco Services, Inc. and is licensed in the US, with NMLS entries for Finco Advance LLC and FinCo Licensing LLC plus state registrations including the California DFPI, Indiana, Kansas, Missouri, Utah and Arizona regulators.

How do I get help if something goes wrong?+

Support runs on email, chat and help centre, so email, in-app chat and a help centre are the listed routes. There is no phone line in the set, which matters most if a card payment or direct deposit is frozen.

What extra features come with the account?+

The account bundles extras beyond the card: a paycheck advance and early pay for direct deposit, fee-free overdrafts, fee-free in-network ATMs, Savings Pods with annual boosts, crypto trading with no trading fees, cash deposits at retail locations, teen and custodial accounts, and credit reporting. The full set is listed under Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit and Fee free overdraft.

Can I use it outside the US?+

Use it sparingly, because foreign transactions cost 3%. Cash deposits at retail locations are supported, so local spending is practical, but the conversion fee makes it a costly card to travel with.

Sources

  • current.com checked September 26, 2026

    Backs: Annual fee, APR, Card kind

    “Build Card Disclosures: No annual fees and no interest, plus no credit check”

  • current.com/about-us checked September 26, 2026

    Backs: Features, Headquarters, Perks

    “Secured credit card - no credit check, no upfront deposit; build credit history with your monthly payments”

  • current.com/licenses checked September 26, 2026

    Backs: Licences

  • current.com/spend checked September 26, 2026

    Backs: Credit needed, Currency conversion fee, Pricing model, Rewards rate, Rewards type

    “Secured cards are specifically designed for individuals with limited or poor credit”

  • current.com/terms_of_service checked September 26, 2026

    Backs: Legal entity, Support channels

    “"Current," "we," "us," or "our" means Finco Services, Inc. doing business under the name Current”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Current Build Card

Current Build Card

A first card for US adults with poor credit who want a free secured card that reports to the three credit bureaus.

9.4/10Visit