Starting your credit journey or bouncing back after a rough patch doesn’t need to be complicated. The Current Build Card offers a smarter way to strengthen your credit with no hidden costs or confusing terms.
With a mobile-first approach and spending power based on your own money, the Build Card puts control back in your hands. It’s a modern, no-stress way to build credit—safely and effectively.
Current Build Card – Benefits That Simplify Credit
- No Interest, Ever: Because the Build Card uses the money you load onto it, you never pay interest on purchases. There’s no balance to carry and no chance of debt piling up, allowing you to focus solely on improving your score.
- Guaranteed Approval with No Credit Check: Anyone with a Current account qualifies for the Build Card—no matter your credit history. There’s no hard inquiry during application, so your score remains untouched when you apply.
- Spend Safely Within Your Own Limits: You control how much you can spend by transferring funds from your Current account. That limit becomes your maximum available balance, helping you stick to your budget without the risk of going into debt.
- Credit Reporting to Major Bureaus: Current sends your payment history to Experian, Equifax, and TransUnion. With consistent use and on-time payments, this can lead to meaningful improvements in your credit profile over time.
- Full Control via Mobile App: From freezing your card to setting alerts and tracking your credit score, everything is done through the easy-to-use Current app. It’s credit building that fits in your pocket.
- No Hidden Fees or Complex Terms: The Build Card avoids fine print and confusing charges. There are no maintenance fees, over-limit penalties, or interest traps—just a clear, predictable way to grow your financial future.
- Instant Card Management: Lose your card? You can freeze or unfreeze it instantly in the app. Need to check your balance or transaction history? It’s all there at a glance.
- Integrated with Current’s Mobile Banking: The Build Card connects directly with your Current account, making it easy to move funds and manage everything in one place. No separate platforms or confusing setups.
- Great Starting Point for Financial Growth: Whether you’re new to credit or rebuilding after challenges, this card lays the foundation for future financial tools like auto loans, mortgages, or unsecured cards.
Qualification Requirements
- Must Open a Current Account: To get the Build Card, you need to have an active Current account in good standing.
- At Least 18 Years Old: Applicants must be legal adults and meet the minimum age requirement for credit products.
- U.S. Residency Required: Only U.S. residents with a valid residential address can apply.
- Valid Social Security Number: Your SSN is needed for identity verification and to report your credit activity accurately.
- Own a Mobile Device with App Access: Since everything is managed through the Current app, you need a compatible phone or tablet.
- Willingness to Pre-Fund the Card: The Build Card requires you to load money in advance. That amount becomes your credit limit.
How to Apply for the Current Build Card
- Download the Current App: Start by installing the Current app from the App Store or Google Play and create an account in just a few minutes.
- Open a Current Account: Provide your personal information, including your name, address, and SSN, to verify your identity and open your account.
- Access the Build Card Option: Once your Current account is active, you’ll see the option to add the Build Card to your profile directly in the app.
- Transfer Funds to Set Your Limit: Decide how much you want to use as your spending limit. Transfer that amount from your Current account to the Build Card.
- Activate and Use Your Card: Once funded, your card is ready to use anywhere Visa is accepted. Make purchases and track everything through the app.
- Make Payments On Time: Use the Current app to pay your balance each month. Timely payments are key to building a positive credit history.
Frequently Asked Questions
Is the Current Build Card a real credit card?
Yes, it’s a secured credit card. It functions like a traditional card but uses your own funds as the spending limit.
Can I build credit with this card?
Definitely. As long as you make payments on time, Current will report your activity to all three major credit bureaus.
Do I need good credit to qualify?
No. There’s no credit check during the application process, so your past credit history won’t affect your eligibility.
What happens if I don’t use the card?
If the card remains unused, no interest or penalty fees will accumulate. Your deposited funds stay available until you’re ready to spend.
