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VISAVisa Traditional

Current Build Card

Annual Fee

Source: Current Official

Apply on Choice Financial's site

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Poor

Earning Rates

Dining

1% cash back on dining (merchants coded Dining); requires at least one Eligible Payroll Deposit of $200+ over a 35-day period

Grocery Stores

1% cash back on groceries (merchants coded Groceries); requires at least one Eligible Payroll Deposit of $200+ over a 35-day period

Top Spend Category

1% cash back on category or categories selected in the Current app; requires qualifying payroll deposit. Issuer page does not publish the selectable category list as of 2026-07-29.

All Other

Purchases outside eligible categories earn no rewards

Benefits & Perks

Insurance & 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.

Reviews & Analysis

Pros and Cons

Pros

+No annual fee, no interest, no late fees, no foreign transaction fees
+No credit check required for approval
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+Automatic payments from Build savings pocket prevent missed payments
+No minimum deposit required
+Zero risk of accumulating debt

Cons

-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

Details & Terms

Payment Terms

Purchase APR	0%
Foreign Transaction Fee	$0
Authorized User Fee	$0

Media & Resources

Card Design

Current Build Card card art from issuer website

Evidence Sources

Source	Verified	Citation
Current Official	—	Current Official
Current Official Earn	—	Current Official Earn
NerdWallet	—	NerdWallet

Explore More

See all Choice Financialcards →Best Dining Credit Cards Best Credit Cards for Groceries Browse all card categories →Browse all card benefits →Browse all credit cards →

Cannot demonstrate responsible revolving credit management

Who It's Best For

Best For

✓Building credit from scratch with no fees
✓Current banking app users who want integrated credit building
✓People with poor or no credit history
✓Those who want automatic payments to ensure on-time payment reporting
✓Users who want a zero-risk approach to credit building

Not Ideal For

✗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

Top brands for this card

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