Essential Points to Consider Before Applying
If you’re looking to rent an apartment, purchase a vehicle, or simply establish yourself in America, having solid credit is essential. The Current Build Card—a secured credit card with no fees—can assist you in achieving this.
Current is a U.S.-based fintech that provides a contemporary digital banking experience with no monthly fees and no minimum balance requirements.
With a fresh and user-friendly approach, all transactions are handled via the app, allowing you to manage your finances effortlessly.
Current collaborates with licensed financial institutions, ensuring your funds are safeguarded by the FDIC (Federal Deposit Insurance Corporation), giving you peace of mind in this fully digital banking environment.
Now, let’s delve into the card itself. The Current Build Card offers a user-friendly option—no hidden fees—ideal for those beginning their financial journey or looking to rebuild in the U.S.
Let’s discuss why this card is becoming increasingly popular and trusted among those eager to establish a strong future in the U.S.
The Build Card functions as Current’s secured credit card, differing from conventional credit cards.
Instead of borrowing money upfront, you deposit a specific amount, which then serves as your credit limit.
For instance, if you deposit $200 into your current account, that amount acts as a security deposit and becomes your available credit.
You can use the card for purchases, settle your balance, and crucially, have your timely payments reported to the three major credit bureaus: Experian, TransUnion, and Equifax.
Thus, while you’re using your own funds, you’re still building your credit history like with a traditional credit card—without the added debt risk.
Eligibility for Application
Current aims to be inclusive and accessible. Here’s who is eligible to apply:
- U.S. citizens, green card holders, and even some documented immigrants
- A valid Social Security Number (SSN) or ITIN is needed for credit reporting.
- No prior credit history is necessary.
- You need to be at least 18 years old and residing in the U.S.
The Build Card is favored by international students, new arrivals in the U.S., and Americans working to rebuild their credit due to its adaptability.
What is the Application Process for the Current Build Card?
The application is quick and straightforward—it’s done entirely online and designed for mobile use:
- Get the Current app from the App Store or Google Play.
- Set up a free digital checking account.
- After approval, make your initial deposit—this will determine your Build Card credit limit.
- Order the Build Card via the app—it usually arrives within a few business days.
- When your card arrives, activate it through the app and start using it based on your secured amount.
Monitor your expenses, payments, and credit-building status in real time—right from your smartphone.
This card won’t do magic. Don’t expect your credit score to soar from 600 to 750 instantly.
However, it offers a dependable, hassle-free, and open way to demonstrate your creditworthiness—which is valuable for your credit history.
Additional Information
Here are some important details:
- No credit checks needed to apply—perfect for those with limited or no credit history.
- You can’t overspend or incur debt, as you can only use the funds you’ve deposited.
- No interest, no annual fees, no activation or maintenance fees—there are truly no hidden costs.
- No welcome bonuses—the main goal is to build your credit.
- Your credit limit is set by you, based on your deposit amount.
Check out all the specifics:
- No hidden fees
- No credit check needed
- No interest fees
- Complete control through the mobile app
- Ideal for building or rebuilding credit
If you want a budget-friendly, secure, and honest way to begin your credit journey in the U.S., the Current Build Card is among the easiest and most effective tools you can find.
Interested in exploring another option?
Chime offers a fee-free card aimed at helping you build credit responsibly in the U.S.
This card helps you manage your money effectively and enhance your credit—discover how to apply.