Current Build Visa® Credit Card

Current Build Card: A Practical Way to Build Credit

The Current Build Card is a secured Visa charge card that can help people build credit history without a hard credit check. It is issued by Cross River Bank, Member FDIC, and works with a Current account. As you spend, funds are reserved to help cover your monthly Build Card balance.

What matters most for credit building is paying on time. Current reports on-time monthly Build Card payments to Equifax, Experian, and TransUnion. That can help build credit history, although no card can guarantee a higher credit score.

Current also combines the Build Card with useful banking features. Eligible direct deposits may arrive up to two days early, and customers have access to more than 40,000 fee-free in-network ATMs. Savings Pods can earn up to a 4.00% annual Boost bonus when qualifying payroll deposit requirements are met. This is a bonus program, not APY, and Current can change the rate or eligibility terms.

Eligible customers may earn points on qualifying purchases. Current also offers cryptocurrency trading as a separate account feature, with no additional trading fee, although spreads, availability, and investment risks still apply.

The Current Build Card can make sense for someone who wants to build payment history while keeping spending tied closely to money already available. Before applying, check Current's latest fees, eligibility requirements, savings terms, and card agreement.