Current Build Card
Written by Kenji NiwaThe Current Build Card is a secured charge card from Current, issued by Cross River Bank. It spends the money in your Current account, and you pay the balance in full each month. There is no annual fee, no interest and no credit check.
No Firstcard offer · free sign-up
No Firstcard offer · free sign-up
- Minimum deposit
- Varies
- Fees
- $0
- APR
- None. Charge card
- Credit check
- None
- Reports to
- All 3 bureaus
- Unsecured upgrade
- —
The details
- Minimum deposit
- No minimum. Money in your Current account secures the card
- Annual fee
- $0
- Monthly fee
- None
- APR
- None. Charge card, paid in full each month
- Credit check
- None
- Reports to
- Equifax, Experian and TransUnion
- Unsecured upgrade
- N/A. The money in your Current account secures the card, so there is no deposit to graduate from
- Credit limit
- No preset limit. Based on the money in your Current account
- Late fee
- 3% of the past-due balance after 2 or more missed billing cycles
- Rewards
- 1 point per $1 on eligible purchases in chosen categories, with a $200+ payroll deposit or Current Max
- Deposit
- Money you move in
- Account required
- Current account
- Bank account required
- Yes
Facts come from the issuer's own terms, checked October 28, 2026. Confirm them on the issuer's site before you apply.
Pros & cons
Pros
- No credit check, no annual fee and no interest.
- No minimum deposit. Any money in your Current account counts, from $1 up.
- AutoPay covers the bill from set-aside funds, and payments go to all three bureaus.
Cons
- You need a Current account to apply.
- Balances past due for two or more billing cycles get a 3% late fee.
- Out-of-network ATMs cost $2.50 to $3.50 per withdrawal, plus any operator fee.
Compare Current Build Card to other secured cards
Current Build Card
4.3- Min. deposit
- Varies
- Fees
- $0
- APR
- None. Charge card
- Min. deposit
- Varies
- Fees
- $0
- APR
- None
- Min. deposit
- $200
- Fees
- $35
- APR
- 23.89% variable
- Min. deposit
- $100
- Fees
- $0 first year, then $25
- APR
- 27.74% variable
After this card, similar cards from the same list are picked automatically: cards from Firstcard partners first, then the rest, each group by Firstcard editors' rating. That order may reflect partner compensation, as how we rate explains. It never changes a rating. The full list shows them all. Clicks are Firstcard members sent to each card in the last 12 months, with suspected bot traffic excluded.
A warning from Firstcard
- Pay in full every month. Interest only starts when you carry a balance. Pay the statement in full and the APR never touches you.
- Keep the balance low. Credit use is a big part of your score. Try to stay under 30% of your limit, and lower is better.
- Turn on autopay. One missed payment can mean a late fee and a mark on your report. Autopay for at least the minimum removes that risk.
How credit use affects your score: myFICO on amounts owed.
Kenji is the Founder and CEO of Firstcard. He built and sold iTank, Japan's largest internship platform, and has made about 40 angel investments, including Substack. He started Firstcard at UC Berkeley Haas after he was rejected for his first U.S. credit card. Full profile and latest articles →
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How we rate. Our editors' rating for a secured card weighs four things. What does it cost in the first year, with every fee and the APR? What limit do you actually get? What do you need to qualify? And how does it help you build credit? Ratings run 1 to 5 in tenths and compare products only within their own category, so a 4.5-star cash advance app is not “better” than a 4.0-star credit builder: they do different jobs. Treat the rating as one input, not the decision. See how we rate financial products.
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Terms change, so check before you apply. These terms come from the providers, not from us, so we cannot guarantee they are current or complete, and anything a member reports describes their own account rather than the offer you will be given. Always confirm the fees and terms on the provider's own site before you apply. If you spot something wrong here, email support@firstcard.app and we will fix it.
