Current

Current Build Card

Secured credit cards

A secured charge card linked to a Current account that can help build credit with on-time payments. It has no annual fee and no purchase interest; an SSN is required to open the underlying Current account.

Pros

  • No annual fee.
  • No credit check to get started.
  • No purchase interest under the current fee disclosure.
  • Reports payment history to Equifax, Experian and TransUnion; on-time payments may help build credit.

Cons

  • An SSN is required for the underlying Current account.
  • Full balance is due each cycle. A 3% late fee applies to total-due balances outstanding and past due for two or more billing cycles.
  • A 3% foreign transaction fee applies, with a $0.50 minimum.
  • Non-Allpoint ATM cash advances cost $2.50 per transaction, plus possible operator fees; Allpoint transactions are fee-free.

Generated from the provider's published terms and reviewed against official sources.

Eligibility and application requirements

U.S. address: Not confirmed

Residency and other conditions: A Current Individual Account is required and the card needs separate approval. Current requires a U.S. SSN to open the account. The full card balance is due each billing cycle; available spending depends on money in the account. Reviewed 2026-10-12. Official source: https://support.current.com/hc/en-us/articles/4408091342491-Do-I-need-a-Social-Security-number-to-sign-up-for-Current

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 03 Nov 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare secured credit cards requirements and costs · How we assess published requirements

Annual fee 0 (currency not confirmed)
Security deposit Not confirmed
Purchase APR 0% variable
Foreign currency fee 3%
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Official terms

Checked 3 Nov 2026

Rewards

Not confirmed

What you need to apply

  • Eligible residential address in the U.S. · Minimum age: 18+
  • Credit approval required; paying the security deposit does not guarantee approval.
  • SSN: Required
  • ITIN / alternative ID: Not confirmed
Credit check

None — Hard inquiry inferred from issuer guidance.

How the security deposit works

  • Required deposit: Not confirmed
  • Funds remain unavailable for spending or withdrawal while pledged.
  • Deposit return / upgrade to an unsecured card is subject to review.

Remaining costs

No additional reviewed fees are currently listed.

Official sources
Verification notes

Last reviewed: 3 Nov 2026. Details are based on the provider’s published materials at that time.

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This information is educational and does not guarantee eligibility or approval. The provider makes the final decision.

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