Offer value details
Current's official support page describes the Build Card as a secured credit card that draws from the available spending balance in a Current Account. The card agreement defines it as a secured charge card issued by Cross River Bank.
Qualification requirements
Current says the Build Card draws from the available spending balance and that a Current Individual Account is required to apply. The official footer says the Current Visa secured charge card is subject to independent approval.
Fees and costs
Current's Build Card rates and fees disclosure lists a $0 annual fee, 0.00% APR for purchases, no interest charged, a $5 regular card replacement fee, a $30 expedited replacement fee, a $2.50 out-of-network ATM fee, a 3% foreign transaction fee with a $0.50 minimum, and a late payment fee after two or more billing cycles past due. The current card agreement's important-disclosures page lists $35 for expedited replacement delivery, so users should confirm the current expedited-card fee before requesting it.
Availability
The reviewed deposit agreement says the Current account is available to eligible U.S. citizens, legal U.S. residents, and non-resident lawfully admitted aliens who are natural persons at least 18 or age of majority, with a valid U.S. residential address and Social Security number. Teen Account rules are separate.
What to verify
- Current is a financial technology company, not an FDIC-insured bank.
- The Build Card is a secured charge card and must be paid in full by the due date.
- Payment reporting can help build credit history, but credit-score improvement can vary.
- Pass-through FDIC insurance depends on partner-bank and recordkeeping conditions.
- Replacement, out-of-network ATM, foreign transaction, late payment, and third-party ATM fees can apply.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.