Learn How to Apply for the Current Build Card

What do You Need to Know Before Applying?

Whether you’re planning to rent an apartment, buy a car, or simply build a life in America, you need good credit. And the Current Build Card—a no-fee secured credit card—can help you get there.

Current is a U.S.-based fintech offering a modern digital banking experience with no monthly fees and no minimum balance requirements.

With a youthful, user-friendly approach, everything is managed through the app, putting you in full control of your money.

Current partners with regulated financial institutions, and your funds are protected by the FDIC (Federal Deposit Insurance Corporation), ensuring peace of mind even though it’s a fully digital bank.

Now, let’s talk about the card itself. The Current Build Card is a highly accessible solution—no hidden fees, and perfect for those who are just starting out or rebuilding their financial life in the U.S.

Let’s explore why this card is gaining so much traction—and trust—among people looking to build a solid future in the U.S.

The Build Card is Current’s secured credit card. That means it works differently from traditional credit cards.

Instead of borrowing money upfront and paying later, you first deposit the amount you want to use, and that becomes your credit limit.

For example, if you deposit $200 into your current account, that amount is held as a security deposit and becomes your available credit.

You can then use the card to make purchases, pay off your balance, and, most importantly, have your on-time payments reported to the three major credit bureaus: Experian, TransUnion, and Equifax.

So even though you’re using your own money, you’re building your credit history as if using a traditional credit card—with none of the debt risk.

Who Can Apply?

Current is focused on being inclusive and accessible. Here’s who can apply:

• U.S. citizens, green card holders, and even some immigrants with valid documents
• You’ll need a valid Social Security Number (SSN) or ITIN to enable credit reporting.
• No previous credit history is required.
• You must be 18 years or older and currently living in the U.S.

Because of its flexibility, the Build Card is popular among international students, newcomers to the U.S., and Americans rebuilding their credit.

How do I Apply for the Current Build Card?

The application process is simple and fast—completely online and mobile-friendly:

1. Download the Current app (available on the App Store and Google Play).
2. Create a free digital checking account.
3. Once approved, deposit your initial amount — this sets your Build Card credit limit.
4. Request the Build Card right in the app — it typically arrives within a few business days.
5. When you receive your card, activate it in the app, and start using it with the amount you’ve secured.

You can track your spending, payments, and credit-building progress in real time — all from your phone.

This card doesn’t promise miracles. Your credit score won’t jump from 600 to 750 overnight.

But it is a reliable, stress-free, and transparent way to prove you’re a responsible borrower—which carries weight in your credit history.

More Details

Here are some other key details:

• No credit check is required to apply — ideal for those with little or no credit history.
• You can’t overspend or go into debt, since you only use the money you’ve already deposited.
• No interest, no annual fee, no activation or maintenance fees—there are truly no hidden costs.
• No welcome bonuses — the focus is purely on building your credit.
• Your credit limit is defined by you, based on how much you secure in your account.

See all the details:

• No hidden fees
• No credit check required
• No interest charges
• Full control via the mobile app
• Perfect for building or rebuilding credit

If you’re looking for an affordable, safe, and honest way to start your credit journey in the U.S., the Current Build Card is one of the simplest and most effective tools available today.

Want to learn another option?

Chime is another no-fee card designed to help you build credit safely in America.

It allows you to manage your finances well and improve your credit—see how to apply.

Written by

Gabriel Gonçalves