Credit building shouldn’t feel overwhelming, especially if you’re just starting out or working on a financial reset. The Current Build Card is here to simplify the process, offering a user-friendly and risk-free way to improve your credit score.
Rather than relying on borrowed money, this card works with your own funds—giving you the benefits of a credit card with the control of a debit card. It’s an ideal companion for anyone ready to take steady, smart steps toward a better financial future.
Current Build Card – Benefits You Can Count On
- No Credit Check Required: You can apply with confidence knowing that your current credit score won’t be impacted. This opens the door for people with no history or those recovering from financial setbacks.
- No Interest Charges—Ever: Unlike traditional credit cards, there’s zero interest to worry about. You only spend what you’ve added to your account, which means no growing balances or unexpected fees.
- Instant Spending Limit Based on Your Funds: You control your credit limit by transferring money from your Current account. If you load $200, that becomes your spending cap—keeping you within budget at all times.
- Reports to All Three Major Bureaus: Each month, Current reports your usage and payment history to Experian, Equifax, and TransUnion, helping you build a solid credit profile over time.
- No Hidden Fees or Penalties: With Current, transparency comes standard. There are no hidden charges or penalty APRs—just clean, simple credit building.
- Smart Notifications and Controls: Set limits, receive spending alerts, and track your progress directly from the mobile app. You’re always in the driver’s seat when it comes to managing your money.
- Modern Security Features: The card comes with EMV chip technology and real-time transaction monitoring, helping protect your account from fraud and unauthorized use.
- Link to Your Current Account Seamlessly: The Build Card works alongside your Current mobile banking account, making it easy to manage your spending, deposits, and transfers in one place.
- Instant Freeze/Unfreeze Capability: If you lose your card or notice unusual activity, you can instantly freeze it through the app, providing quick protection and peace of mind.
Qualification Requirements
- Must Have a Current Account: To get the Build Card, you need to open a Current Account first, which can be done quickly and easily online or via the mobile app.
- Be at Least 18 Years Old: Applicants must be legal adults, with proof of age and identification, to qualify for the card.
- U.S. Residency Required: You must reside in the United States and have a verifiable U.S. address during the signup process.
- Valid Social Security Number: A Social Security number is required to verify your identity and for credit bureau reporting purposes.
- Access to a Mobile Device: Since all management is done via the mobile app, you’ll need a compatible smartphone or tablet.
- Willingness to Use Your Own Funds: This card isn’t for borrowing—it’s for building. You fund your spending limit in advance, and Current handles the reporting.
How to Apply for the Current Build Card
- Download the Current App: Start by downloading the Current app on your smartphone. It’s available for both iOS and Android devices.
- Create a Current Account: Sign up by entering your personal details, including your name, address, Social Security number, and date of birth.
- Choose the Build Plan: Once your Current Account is set up, select the “Build” option to begin the process of activating your secured credit card.
- Fund Your Build Card: Transfer funds from your Current Account to your Build Card. This deposit becomes your spending limit.
- Receive Card Approval Without a Credit Check: No hard inquiry is required. Your card is approved instantly once your account is verified and funded.
- Start Building Credit Responsibly: Use your card to make everyday purchases. Pay on time and Current will report your positive activity to the major credit bureaus.
Frequently Asked Questions
Is this a secured credit card?
Yes, but unlike traditional secured cards, there’s no separate deposit—your spending limit comes directly from your Current balance.
Will this help improve my credit score?
Yes. Current reports to all three credit bureaus, so on-time payments and responsible usage can boost your score over time.
Can I overspend on the Build Card?
No. You can only spend what you’ve already deposited, helping prevent debt and over-limit fees.
Is a credit check required to apply?
No. There’s no credit check involved, making it accessible to users with no history or damaged credit.
