Current Build Card

Current Build Card Bonus Categories

No annual fee. 2 bonus categories benefits, with what each is worth and the limits that apply.

Annual fee
No fee
Benefits
2

No rewards outside eligible categories

Bonus earning

Only purchases in eligible categories earn 1% back (as Current Points, with a qualifying payroll deposit); everything else earns nothing.

Credit Bureau Reporting (All Three Bureaus)

Your on-time payments are automatically reported to Experian, Equifax, and TransUnion to help build your credit history

Pro Tips

  1. 1Request your free credit reports annually at AnnualCreditReport.com to verify reporting
  2. 2On-time payments are the most important factor in building credit—this card makes them automatic
  3. 3Building credit takes time—typically 6-12 months of reporting before you see score improvements
  4. 4The automatic payment feature ensures you never miss a payment deadline

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.