Current Build Card Review

Got a plan for tomorrow? Well, this Current Build card can get you there. It’s like a stepping stone to your dreams.

Whether it’s starting a business, getting a car, or finding a place to call home, you need good credit. And if you’re starting from scratch, the Current Build Card is your buddy. It helps you lay down that credit foundation for your future.

But it’s not just about the credit score. This card comes with cool stuff you’ll love. Once you have it, you’ll wonder how you ever managed without it. It’s not just a card, it’s a whole new way to handle your money.

Earn Rewards

The Current Build Card isn’t just any old secured card. Depending on where you shop, you could bag anywhere from 1x to a whopping 7x points, whether you’re splurging in-store or online. And get this, they’ve got a whole bunch of places in on the action – think gas stations, local joints, big brands like Gap, Sam’s Club, and even Auntie Annie’s.

So, what can you do with these points? Well, cash ‘em in for goodies, of course. You only need 100 points – that’s just a buck – to start cashing out, and there’s no cap on how many points you can stack up. Plus, they don’t go bad on you. And here’s the kicker: some places offer up to 15x points, so you’ll be rolling in them faster than ever.

Savings pods with high bonus

 You can set up three separate savings spots, and each one could score you a bonus of up to 4% on deposits up to 2,000 bucks if you’ve got direct deposits of at least 200 smackers coming in. So, let’s break it down: if you stash 2,000 in each spot, that’s a potential 4% bonus on a total of 6,000 bucks.

Now, here’s where it gets interesting. That 4% bonus beats the pants off the regular savings accounts you find out there, which usually dish out about 0.46% according to the FDIC. But here’s the catch: if you don’t set up those direct deposits of at least 200 bucks, you’re only looking at a measly 0.25% bonus.

Current Build Card benefits

Fee-free overdraft

Building credit can be tough, no doubt about it. But getting going with a secured card is a solid move, especially when you’re dodging those pesky overdraft fees. Thing is, not many cards cut you that kind of break. But hey, check out the Current Build Card – it’s like a fee-free paradise. No fees whatsoever, even when it comes to overdrafts! Just line up a qualifying direct deposit, and boom, you’re in the clear.

No minimum deposit required

You know how regular secured credit cards make you cough up a ton of cash upfront? Well, forget all that with the Current Build Card. They’re flipping the script on banking. Here’s the deal: no need to scrape together a hefty deposit just to get started. All you gotta do is already have a Current account when you apply. Then, you can simply move your funds from your account to kickstart your credit limit. 

No credit check required

Since the Current Build Card buddies up with the Current Save and Spend deposit accounts, they skip the whole credit check song and dance when you sign up. Instead, they just dip into your available spending balance on Current, so there’s no need for them to snoop around your credit history to size you up. 

Build credit safely

Here’s the kicker with the Current Build Card: it’s not just about boosting your credit score by reporting your card activity like most other credit builders do. Nope, Current takes it up a notch. It’s like a credit score superhero, enhancing your credit no matter what kind of purchase you make. Hit up any spot that takes Visa, even ATMs, and every time you swipe, your credit score gets a little boost. 

Control your budget

One cool thing about Current is its budgeting tool. With Current, you can create different spending categories and set limits for each one. Then, as you spend, Current keeps tabs on how much you’ve used in each category and gives you a heads-up when you’re getting close to hitting your limit. 

Paycheck Advance

With this program, you can have your paycheck a whole 2 days earlier. No waiting around, no messing up your credit score. And the best part? No credit check, and no fees to apply or accept the advance. But hey, if you’re in a rush, you can pony up a small fee based on the amount for instant delivery.

Current Teen Banking

Got a teenager? With Current Teen Banking, parents with a Current account can give their 13 to 17-year-olds financial freedom. It’s fee-free, has parental controls, chores, allowances, and lets you block transactions. Easy, safe, and empowering.

No APR

Here’s the deal with this card: it sets aside funds for your purchases, reducing your available balance automatically. That means no overspending and no APR to worry about. It’s a smart way to keep your spending in check and avoid carrying a balance from month to month.

Who can apply?

If you are 18 years or older, live in the U.S. and need to build your credit score ASAP, this credit card was made for you! You won’t have an impact on your credit score and, as long as you want to stay on top of your finances and manage expenditures more responsibly, you should save a spot on your wallet for this card!

How to apply?

Since we are talking about fintech, applying is easier than you think. All you need to do in order to sign up is:

1. Enter your phone number
2. Current will text you a download link
3. Connect your bank account
4. Provide your Social Security number
5. Upload a copy of your driver’s license or passport
6. Send your request

Frequently asked questions

Is Current legit?

Yes, Current is a legitimate fintech with banking services issued by Choice Financial Group. 

How do I contact customer service?

You can contact Current through their live chat, by phone at 1-888-851-1172, by email at [email protected] or by contact form on the Current website.

Can I deposit cash with Current?

Yes, you can deposit cash at select stores. You can find a list of locations near you at Current app.

What happens if I miss a payment on my secured credit card?

Missing a payment or paying late can hurt your credit score. Enable AutoPay and never worry about it!