Updated September 28, 2026 · SumCue Editorial Team
Current Build Card vs KTC credit card
Current Build Card
Higher score in this comparison
KTC credit card
What sets them apart
| Compare | Current Build CardReviewVisitVisit | KTC credit cardReviewVisitVisit |
|---|---|---|
| Annual fee | $0 | THB 0 |
| APR | 0%Lower | 20% to 25% |
| Currency conversion fee | 3% | 2%Lower |
| Rewards rate | 1x points per $1 on eligible purchases, redeemable as cash back | 1 point per 25 baht spend (KTC FOREVER points, no expiry) |
| Credit needed | Poor | Fair |
| 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 | 0% instalment plans up to 10 months at over 10,000 merchants, 0.74% per month instalment conversion for up to 10 months via KTC Mobile or KTC PHONE, Travel insurance up to 8 million baht, Accident insurance up to 300,000 baht for 90 days for new primary cardholders, Cash advance up to 100% of credit limit, KTC Personal Assistant service 24 hours a day on 02 123 5000, KTC FOREVER points and points redemption at participating merchants, Visa contactless and payments via Google Pay, Garmin Pay, SWATCHPAY |
| Card kind | Charge | Credit |
Same on both: Rewards type (Points).
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.
Key differences
- Current Build Card scores higher overall: 9.4 vs 9.0.
- APR is lower at Current Build Card: 0% vs 20% to 25%.
- Currency conversion fee is lower at KTC credit card: 2% vs 3%.
- Perks: only Current Build Card offers Paycheck advance up to $750 with qualifying direct deposit, Paycheck up to 2 days early with direct deposit, Fee free overdraft.
- Perks: only KTC credit card offers 0% instalment plans up to 10 months at over 10,000 merchants, 0.74% per month instalment conversion for up to 10 months via KTC Mobile or KTC PHONE, Travel insurance up to 8 million baht.
- Support channels: only Current Build Card offers Email, Chat.
- Support channels: only KTC credit card offers Phone.
- Features: only Current Build Card offers Secured.
Our verdict on each
Current Build Card
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.
KTC credit card
KTC credit card suits Thai residents wanting a rewards card with no yearly charge and useful instalment plans. The cost score is 5.1, and the annual fee on the Visa Platinum card is THB 0. Eligibility is limited to Thai nationals with a stated income and job tenure.
Score breakdown
| Area | Current Build Card | KTC credit card |
|---|---|---|
| Cost | 9.2HigherAnnual fee of $0 and an APR of 0%, the weakest part being the 3% currency conversion fee. | 9.0 |
| Offer | 9.6Higher | 9.2 |
| Trust | Not confirmed | 8.9 |
Availability and regulation
| Country | Current Build Card | KTC credit card |
|---|---|---|
| United States | NMLS (Finco Advance LLC) 2670557 NMLS (FinCo Licensing LLC) 2533115 Kansas Office of the State Bank Commissioner EWA.0000025 State of Missouri Division of Finance EWA-25-9579 Utah Division of Consumer Protection 14246805-EWAS | Not confirmed |
Additional countries for Current Build Card: 1. Additional countries for KTC credit card: 1.
Spending 1,000 abroad
Current Build Card
30
3% of 1,000
KTC credit card
20
2% of 1,000
KTC credit card comes out 10 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Current Build Card | KTC credit card |
|---|---|---|
| Credit and debit cards | 20 of 1594 | 35 of 1594 |
| Credit cards | 6 of 421 | 13 of 421 |
Every fact side by side
| Fact | Current Build Card | KTC credit card |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards, SecuredCovers more | Rewards |
| Legal entity | Finco Services, Inc. | Krungthai Card Public Company Limited |
| Headquarters | United States | Thailand |
| Founded | Not confirmed | 1996 |
| Support channels | Email, Chat, Help centre | Phone, Help centre |
Loans
| Fact | Current Build Card | KTC credit card |
|---|---|---|
| Loan amount | Not confirmed | from THB 15,000 |
| Term | Not confirmed | 12 to 60 months |
| Funding time | Not confirmed | Funds transferred to the account within 1 business day after approval |
| Rate type | Not confirmed | Fixed |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | Thai nationality, age 20-60, minimum income 15,000 baht per month, at least 4 months in the current job; foreigners residing in Thailand cannot apply |
| Loan types | Not confirmed | Personal |
Where each stands against the rest
| Fact | Current Build Card | KTC credit card | Median |
|---|---|---|---|
| APR | 0%lowest quarter | 20% to 25%above the median | 11.635% |
| Currency conversion fee | 3%highest quarter | 2%above the median | 1% |
Median across 486 listed providers.
Pros and cons
Current Build Card
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
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
KTC credit card
Pros
- Annual fee of THB 0 on the KTC Visa Platinum card
- Points on everyday spend at 1 point per 25 baht spend (KTC FOREVER points, no expiry)
- Instalment plans, cash advances and travel cover listed in 0% instalment plans up to 10 months at over 10,000 merchants, 0.74% per month instalment conversion for up to 10 months via KTC Mobile or KTC PHONE and travel insurance up to 8 million baht
Cons
- Currency conversion fee of 2% against a site median of 1%
- Personal loan rate of 20% to 25% on a fixed basis
- Eligibility rules bar foreigners residing in Thailand and ask for a waiting period in the current job
Who each suits
Current Build Card
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
KTC credit card
Who it suits
- Thai nationals with a steady monthly income who want a fee free rewards card
- Spenders who will use the instalment options listed in 0% instalment plans up to 10 months at over 10,000 merchants, 0.74% per month instalment conversion for up to 10 months via KTC Mobile or KTC PHONE and travel insurance up to 8 million baht
- Applicants happy to earn points rather than cash back
Who should look elsewhere
- Frequent overseas spenders, who pay 2% on conversion where the Wise card carries a fee of £0
- Card holders shopping purely on fees, since bunq also charges €0
- Applicants building a credit record, since the Varo Believe Secured Credit Card is secured and charges $0
Current offers
KTC credit card
Current offer
First period offer
KTC X Visa Signature - first year annual fee waiver: 5,000 baht annual fee waived for the first year
Monthly income from 50,000 baht; valid 1 Jan 2026 - 31 Dec 2026
Source, checked September 26, 2026
First period offer
KTC X World Rewards Mastercard - first year annual fee waiver: 5,000 baht annual fee waived for the first year
Monthly income from 50,000 baht; valid 1 Jan 2026 - 31 Dec 2026
Source, checked September 26, 2026
Discount code
PTT Station fuel cashback with KTC credit card: 2 baht cashback per litre
Valid 1 Jul 2026 - 31 Oct 2026
Source, checked September 26, 2026
Bonus
Customer Choice promotion on KTC credit cards: choose cashback up to 2% or points up to 25%
Valid 1 Jul 2026 - 31 Dec 2026
Source, checked September 26, 2026
Country by country
| Country | Current Build Card | KTC credit card |
|---|---|---|
| Thailand | No | Yes |
| United States | Yes | No |
Questions about each
Current Build Card
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.
KTC credit card
Does the KTC credit card charge an annual fee?+
The KTC Visa Platinum card carries an annual fee of THB 0 and is listed as a no annual fee card, so there is no yearly charge to clear. The card kind is credit rather than a charge card, and the rewards type is points.
What does borrowing cost?+
The KTC Cash personal loan is offered directly by the provider, on a fixed rate of 20% to 25% over terms of 12 to 60. Loan amounts start at from THB 15,000, early repayment is free, and funds reach the account the day after approval.
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