VISAVisa Traditional

Current Build Card

At a Glance

1X
Dining
1% cash back on dining (merchants coded Dining); requires at least one Eligible Payroll Deposit of $200+ over a 35-day period
1X
Grocery Stores
1% cash back on groceries (merchants coded Groceries); requires at least one Eligible Payroll Deposit of $200+ over a 35-day period
1X
Top Spend Category
1% cash back on category or categories selected in the Current app; requires qualifying payroll deposit.
0X
All Other
Purchases outside eligible categories earn no rewards

Benefits & Perks

2 protections

Zero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

points

100 points on a $100 dinner. We don't put a dollar value on this currency yet.

No annual fee

Stack a dining program

5% back at 20,618 participating restaurants, on top of this card's 1x, once you join and link this card.

+$5

cash back, or ≈$5.50 as points

-Cash back limited to eligible categories (1%) and requires a qualifying payroll deposit
-Requires Current account
-Credit limit tied to your Build savings balance
-Not a traditional credit card structure
-Cannot demonstrate responsible revolving credit management

People who want to earn rewards on all purchases (1% cash back is limited to eligible categories and requires a qualifying payroll deposit)
Those without a Current account
People who need a traditional revolving credit line
Those who want higher credit limits beyond their savings balance
International travelers who need a primary card (3% foreign transaction fee)

Details & Terms

Rule	Details
Account required	The Build Card is part of a Current account and spends the money held in that account.

Media & Resources

Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.