Discover the Steps to Request the Latest Build Card

The Current Build serves as an outstanding credit card tailored for your everyday expenses—discover how to establish your comprehensive credit history.

Key Points to Consider Before You Apply

Whether you’re looking to rent a place, purchase a vehicle, or lay down roots in the U.S., having good credit is essential. The Current Build Card—a no-fee secured credit card—is here to assist you in achieving that.

Current is a fintech company based in the U.S. that offers a contemporary digital banking experience, featuring no monthly fees and no minimum balance requirements.

With a fresh, user-friendly approach, everything is managed via the app, giving you complete control over your finances.

Current collaborates with regulated financial institutions to ensure that your funds are safeguarded by the FDIC (Federal Deposit Insurance Corporation), providing reassurance even as a fully digital banking service.

Now, let’s dive into the card itself. The Current Build Card offers an easily accessible solution—no hidden fees—ideal for newcomers or those looking to rebuild their financial standing in the U.S.

Let’s examine why this card is becoming popular and trusted among individuals eager to establish a solid future in the U.S.

The Build Card is Current’s very own secured credit card, functioning differently from standard credit cards.

Rather than borrowing money upfront and repaying later, you first deposit the amount you wish to use, which then serves as your credit limit.

For instance, if you place a $200 deposit into your account, that sum serves as a security deposit and sets your available credit.

You can use the card for purchases, settle your balance, and most importantly, have your timely payments reported to the three major credit bureaus: Experian, TransUnion, and Equifax.

So, even though you’re spending your own money, you’re building your credit history as if you were using a traditional credit card—without the risk of debt.

Who Is Eligible to Apply?

Current is dedicated to inclusivity and accessibility. Here’s who qualifies to apply:

U.S. citizens, green card holders, and even some documented immigrants
A valid Social Security Number (SSN) or ITIN is required for credit reporting.
No prior credit history is necessary.
You need to be at least 18 years old and residing in the U.S.

Thanks to its versatility, the Build Card has become a favorite among international students, new immigrants to the U.S., and Americans looking to rebuild their credit.

What’s the Process to Apply for the Build Card?

Applying is a breeze—it’s quick and entirely online, making it mobile-friendly:

Get the Current app (available on both the App Store and Google Play).
Set up a free digital checking account.
Once you’re approved, fund your account — this establishes your credit limit with the Build Card.
Order your Build Card through the app — it usually arrives within a few business days.
When your card arrives, activate it via the app and start using your secured amount.

Monitor your spending, payments, and credit-building progress in real-time—right from your mobile device.

This card doesn’t offer quick fixes. Your credit score won’t leap from 600 to 750 in a night.

However, it is a trustworthy, stress-free, and straightforward method to demonstrate that you’re a responsible borrower—this is valuable for your credit history.

Additional Information

Here are some additional important points:

No credit check needed to apply — perfect for those new to credit.
You can’t overspend or incur debt, as you only use the funds you’ve deposited.
No fees—no interest, annual fees, or activation costs; there are absolutely no secret charges.
No welcome bonuses — the goal is solely on building credit.
Your credit limit is determined by you, based on your secured amount.

Check out all the details:

No hidden costs
No credit check necessary
No interest fees
Complete control via mobile app
Ideal for building or rebuilding credit

If you’re seeking an affordable, safe, and straightforward method to begin your credit journey in the U.S., the Current Build Card is one of the easiest and most effective options available today.