Last Updated: 02/23/2026
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Highlights
Purchase APR (Variable APR)
0%(Verified 02/23/2026)
Disclaimer popup with additional information
(No interest is charged on purchases)
Balance Transfer APR (Variable APR)
N/A(Verified 02/23/2026)
Credit Score Range
N/A
Annual Fee
$0
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Current Build Card Review
This is a rewards card issued by Current. If you're wondering whether Current Build Card is the right card for you, read on.
Key Takeaways
- APRs: Current Build Card has a variable regular purchase APR of 0%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Soft credit pull. You can check whether you qualify for Current Build Card without a hard pull on your credit report. Most credit card issuers don't offer this option.
Pros & Cons of Current Build Card
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Current Build Card FAQ
Does Current Build Card have a cash back or rewards program?
Current Build Card is a rewards card. This card features rewards for purchases in the following categories:
- Select Merchants
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Select Merchants | 1 x points (To earn Points, you must receive at least one Eligible Payroll Deposit equalling a minimum of $200 over a 35-day period (unless you are a Current Max subscriber), make Build Card purchases at retailers whose merchant code is classified as Dining (e.g., restaurants) and Groceries (e.g., supermarkets), and complete other actions that Current may designate. After qualifying, allow 3-5 business days for Points to post to your Current account. Points expire 365 days after they settle. To learn more, read the Current Points Terms.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Current Build Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Current Build Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for Current Build Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Current Build Card has a variable purchase APR of 0%. Current Build Card does not offer balance transfers.
Does Current Build Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Current Build Card does not offer balance transfers.Does Current Build Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Current Build Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Current Build Card have a foreign transaction fee?
Current Build Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Current Build Card?
The customer service number for Current Build Card is (888) 851-1172.
What is the support contact email for Current Build Card?
The support contact email for Current Build Card is support@current.com.
How do people rate the customer service and user experience of Current Build Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Current Build Card report your account activity to credit bureaus?
Yes, Current Build Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Current perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Current Build Card allows you to check your rates with a soft credit pull.
How to apply for Current Build Card
- Visit the website of Current Build Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Current Build Card Disclosure: Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa(R) Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa(R) secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current deposit account is required to apply for the Current Visa(R) secured charge card. Independent approval required.
*Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.
**For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current's sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Conditions.
***Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer's submission of deposits.
****Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
12:00AM - 12:00AM
Monday
12:00AM - 12:00AM
Tuesday
12:00AM - 12:00AM
Wednesday
12:00AM - 12:00AM
Thursday
12:00AM - 12:00AM
Friday
12:00AM - 12:00AM
Saturday
12:00AM - 12:00AM
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