Updated September 28, 2026 · SumCue Editorial Team
Current Build Card vs Nexo
Current Build Card
Higher score in this comparison
Nexo
Current Build Card vs Nexo: the differences
| Compare | Current Build CardReviewVisitVisit | NexoReviewVisitVisit |
|---|---|---|
| Annual fee | $0 | €0 |
| APR | 0%Lower | from 1.9% |
| Currency conversion fee | 3% | 0.2% to 2.5%Lower |
| Rewards type | Points | Cashback |
| Rewards rate | 1x points per $1 on eligible purchases, redeemable as cash back | Up to 2% crypto cashback in NEXO Tokens, or 0.5% in BTC at Platinum tier, on purchases in Credit Mode |
| 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 | Free ATM withdrawals up to EUR 2,000 / GBP 1,800 per month at Platinum tier, then 2% fee (min EUR/GBP 1.99), Apple Pay and Google Pay supported, Interest earned on unspent funds (Nexo Loyalty Program, up to 13% per year), Accepted at over 100 million merchants globally, Virtual card activated instantly with 50 USD balance; free shipping for physical card above 5,000 USD balance at Gold tier or higher, No monthly, annual or inactivity card fees |
| Card kind | Charge | Credit |
| Credit needed | Poor | Not confirmed |
| Cashback rate | Not confirmed | 0.5% to 2% |
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Key differences
- Current Build Card scores higher overall: 9.4 vs 8.9.
- Nexo is licensed in 5 more countries.
- Nexo is available in 35 more countries.
- APR is lower at Current Build Card: 0% vs from 1.9%.
- Currency conversion fee is lower at Nexo: 0.2% to 2.5% 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 Nexo offers Free ATM withdrawals up to EUR 2,000 / GBP 1,800 per month at Platinum tier, then 2% fee (min EUR/GBP 1.99), Apple Pay and Google Pay supported, Interest earned on unspent funds (Nexo Loyalty Program, up to 13% per year).
- Features: only Current Build Card offers Rewards, Secured.
- Features: only Nexo offers Multi currency, Crypto, Virtual card.
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.
Nexo
Nexo suits businesses and crypto users who want a multi-currency card, with monthly and annual card fees of €0 and €0. The trade-off is tier-based cashback, foreign exchange costs, and custodial holding of supported crypto.
Score breakdown
| Area | Current Build Card | Nexo |
|---|---|---|
| Cost | 9.2Annual fee of $0 and an APR of 0%, the weakest part being the 3% currency conversion fee. | 9.2Monthly and annual card fees are €0 and €0, while foreign exchange costs are 0.2% to 2.5%. |
| Offer | 9.6Higher | 9.2The card supports crypto cashback, multi-currency use, virtual cards, travel, Apple Pay and Google Pay. |
| Trust | Not confirmed | 8.3 |
Spending 1,000 abroad
Current Build Card
30
3% of 1,000
Nexo
2 to 25
0.2% to 2.5% of 1,000
Nexo comes out 28 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 | Nexo |
|---|---|---|
| Credit and debit cards | 20 of 1594 | 10 of 1594 |
| Credit cards | 6 of 421 | 2 of 421 |
Choosing between them
Pick Current Build Card if offer and apr matter most.
Pick Nexo if currency conversion fee matter most.
Sources behind this comparison
Current Build Card
- current.com: 13 facts, checked September 26, 2026
Nexo
- nexo.com: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Current Build Card | Nexo |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards, Secured | Multi currency, Crypto, Virtual card, Custodial, Travel |
| Audience | Not confirmed | Business |
| Legal entity | Finco Services, Inc. | DiPocket UAB |
| Headquarters | United States | Not confirmed |
| Founded | Not confirmed | 2018 |
| Support channels | Email, Chat, Help centre | Chat, Email, Help centre |
Crypto wallets
| Fact | Current Build Card | Nexo |
|---|---|---|
| Wallet type | Not confirmed | Mobile |
| Custody | Not confirmed | Custodial |
| Coins supported | Not confirmed | 100 |
Where each stands against the rest
| Fact | Current Build Card | Nexo | Median |
|---|---|---|---|
| APR | 0%lowest quarter | from 1.9%lowest quarter | 11.635% |
| Currency conversion fee | 3%highest quarter | 0.2% to 2.5%below the median | 1% |
| Cashback rate | Not confirmed | 0.5% to 2%above the median | 1.5 |
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
Nexo
Pros
- No monthly or annual card fees: €0 and €0.
- Crypto cashback is available in NEXO Tokens or BTC at Platinum tier in Credit Mode.
- Multi-currency use, virtual cards, travel, Apple Pay and Google Pay are supported.
Cons
- Foreign exchange costs are 0.2% to 2.5%, which may add to overseas spending.
- Supported crypto is held in custodial custody under custodial.
- Cashback and ATM terms depend on card tiers, so lower tiers receive less favourable benefits.
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
Nexo
Who it suits
- Businesses seeking a multi-currency card with no monthly or annual card fees.
- Crypto users comfortable with crypto cashback and custodial custody.
- Travellers who want Mastercard, virtual-card, Apple Pay and Google Pay support.
Who should look elsewhere
- bunq may suit readers whose stated foreign exchange fee range is 0.5% to 3%.
- Varo Believe Secured Credit Card may suit readers focused on a card with a stated monthly fee of $0.
- Wise may suit readers looking for a different everyday money platform, with a stated monthly fee of £0.
Country by country
| Country | Current Build Card | Nexo |
|---|---|---|
| Argentina | No | Yes |
| Australia | No | Yes |
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
8 of 36 countries where either is available.
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.
Nexo
What are the Nexo card fees?+
Nexo lists a monthly card fee of €0 and an annual card fee of €0. Its published perks also state that there are no monthly, annual or inactivity card fees.
What is the currency conversion fee?+
Foreign exchange fees are 0.2% to 2.5%. The exact amount can therefore vary, so overseas purchases and ATM withdrawals may cost more than transactions made in the card's base currency.
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