Current Credit Building
Want better credit: Current’s Build Card can help you increase your credit score using the money in your Current account.
Key Benefits of Current’s Build Card
Build Credit History With On-Time Payments - Never Miss a Payment with AutoPay
No Interest or Annual Fees
100% Approval Rate - No Hard Credit Check Required
Automatic Credit Reporting
Each month, Current reports your on-time Build Card payments to all three major credit bureaus (Equifax, Experian and TransUnion) to help establish and build your credit history.
Spend From Your Available Balance
Add money to your Current account and spend it with your Build Card. As you spend, we set aside those funds to cover your balance at the end of each month - all from one account, with no separate balances to manage.
Seamless App Integration
Your Build Card is part of your Current Account - one balance, one place. Lock or unlock the card instantly and track your credit progress right in the app.
Build Card: Not a Traditional Credit Card
Traditional credit cards can charge double digit interest and late fees. The Build Card is a secured charge card: you spend only what’s available in your account, pay no interest and face no annual fee while still creating payment history. You can also spend beyond your secured balance up to your overdraft limit without any fees.
Flexible Credit Limits, Set by You
Your Build Card limit is set by your available spending balance. Add or remove funds anytime - you’re always in control of your limit.
What Can I Use the Build Card For?
Daily Essentials
Use your Build Card for everyday purchases like groceries and gas — anywhere Visa is accepted. Paying your balance on time each month is what helps build your credit.
Subscription Services
Put recurring charges like your phone bill on the Build Card. Keeping funds available to cover your monthly balance is what creates a positive payment history.
Online Purchases
Use the virtual card number for secure online shopping. Remember — it’s your on-time monthly payments, not the purchases themselves, that build your credit history.
Earning Points on Purchases
Use your Build Card on eligible categories to earn points redeemable for cash back.
No Hard Credit Check: Another Advantage of the Build Card
Signing up for the Build Card does not require a hard inquiry, so your credit score stays protected while you begin building positive history from the first report.
Promote Overall Financial Health With the Build Card
A stronger credit score can lower future borrowing costs, improve loan approvals and unlock better housing options. The Build Card turns on time payments into progress toward those long term goals without debt stress.
If You’re Ready to Start Building Credit, Follow These Steps.
Sign up. Download the Current app and open your account - or just select Build Card when you sign up.
Activate Build. In the card tab, select Build Card, agree to terms and order your physical card.
Fund and use. Transfer money to your secured balance, spend on the Build Card and watch your credit grow with on time payments.
Build your money future
FAQ
What is the Build Card?
The Build Card is a secured Visa charge card from Current that reports your on time monthly payments to major credit bureaus to help you build credit history.
Will using the Build Card impact my credit score?
Yes: consistent on time payments can improve your score, while missed payments could hurt it.
How is my spending limit set?
Your limit is your available balance - the amount of money in your account.
Are there any fees or interest?
There are no interest charges or annual fees. Standard fees like foreign transaction fees may apply.
Do I need a credit check to get the Build Card?
No hard credit check is required. Because the Build Card is secured, everyone who signs up is eligible — there’s no credit-based approval process.
Where can I learn more?
Visit our Build Card page or read “How does the Build Card work?” in our Support Center.