Discover the Process to Apply for the Existing Build Card

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

Essential Insights Before Applying

No matter if you’re renting an apartment, purchasing a vehicle, or just starting your journey in America, solid credit is essential. The Current Build Card—a no-fee secured credit card—can assist you in achieving that.

Current is a fintech company based in the U.S. that provides a cutting-edge digital banking experience with no monthly fees and no minimum balance requirements.

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

Current collaborates with regulated financial institutions, ensuring your funds are safeguarded by the FDIC (Federal Deposit Insurance Corporation), providing security even as a fully digital bank.

Let’s dive into the card itself. The Current Build Card is designed to be highly accessible—no hidden fees—making it ideal for those just beginning or looking to rebuild their financial standing in the U.S.

Let’s examine why this card is becoming popular and trusted by individuals aiming to secure a bright future in the U.S.

The Build Card represents Current’s offering of a secured credit card, differing from conventional credit cards.

Instead of borrowing funds in advance and repaying later, you initially deposit the amount you wish to use, which then becomes your credit limit.

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

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

Thus, even when using your own funds, you’re establishing your credit history as if you were using a traditional credit card—without any debt risk.

Who Is Eligible to Apply?

Current aims to be inclusive and accessible. Here’s who is eligible to apply:

U.S. citizens, green card holders, and some documented immigrants are eligible.
A valid Social Security Number (SSN) or ITIN is required for credit reporting.
No prior credit history is necessary.
You must be 18 years or older and a resident of the U.S.

The Build Card’s versatility makes it a favorite among international students, newcomers to the U.S., and Americans working on their credit.

How Can I Apply for the Current Build Card?

The application process is quick and easy—entirely online and mobile-friendly:

Download the Current app from the App Store or Google Play.
Set up a free digital checking account.
After approval, deposit your initial amount to establish your Build Card limit.
Request the Build Card through the app—it usually arrives in a few business days.
Once you receive your card, activate it in the app and start using it with your secured amount.

You can monitor your expenses, payments, and credit-building journey in real time—all from your phone.

This card doesn’t guarantee instant results. Your credit score won’t soar from 600 to 750 overnight.

However, it’s a trustworthy, straightforward, and clear method to demonstrate your reliability as a borrower, which is significant for your credit history.

Additional Information

Here are a few more important points:

No credit check necessary for applications — perfect for those with limited credit history.
You can’t overspend or incur debt, as you can only use funds you’ve deposited.
No interest, no annual fee, no activation or maintenance fees—truly no hidden charges.
No welcome bonuses — the main focus is on building your credit.
Your credit limit is up to you, determined by your secure deposit.

Check out all the details:

No hidden fees
No credit checks needed
No interest fees
Complete control via the mobile app
Great for building or restoring credit

If you’re in search of an affordable, secure, and straightforward way to begin your credit journey in the U.S., the Current Build Card is among the simplest and most effective options available.