In today’s world, finding the right credit card can be a daunting task. With so many options on the market, it’s important to consider your individual needs and spending habits before making a decision. If you’re looking for a credit card that offers rewards, a fee-free overdraft, and the ability to build credit, then Current Credit Card might be a good option for you.
What is Current Credit Card?
Current Credit Card is a mobile banking app that offers a debit card with credit-building features. This means that you can use your Current card like a regular debit card, but your purchases will be reported to credit bureaus, which can help you build your credit score over time.
Benefits of Current Credit Card
There are many benefits to using Current Credit Card, including:
- Build credit: As mentioned earlier, Current Credit Card reports your purchases to credit bureaus, which can help you build your credit score over time. This is a great benefit for people with no credit history or those who are looking to improve their credit score.
- Early direct deposit: Get your paycheck up to 2 days early with direct deposit. This can be a lifesaver if you need access to your money before your next payday.
- Fee-free overdraft: Current Credit Card offers fee-free overdrafts up to $100. This can help you avoid costly overdraft fees if you accidentally overspend your account.
- Mobile check deposit: Deposit checks quickly and easily using the Current mobile app.
- Over 40,000 fee-free ATMs: Access your cash at over 40,000 ATMs nationwide without paying any fees.
- Earn rewards: Earn points for swiping your debit card at participating merchants. You can redeem your points for cash back or statement credits.
- No annual fees: There is no annual fee for using Current Credit Card.
Current Credit Card Rewards Program
Current Credit Card offers a rewards program that allows you to earn points for using your debit card at participating merchants. You can redeem your points for cash back or statement credits. While the specific details of the rewards program are not readily available on the Current website, it is still a plus for users who can benefit from any cashback or rewards offered.
Fees Associated with Current Credit Card
There is no annual fee for using Current Credit Card. However, there are a few other fees to be aware of, including:
- ATM withdrawal fees: If you use an ATM that is not part of the Current network, you will be charged a withdrawal fee.
- Foreign transaction fees: If you use your Current card to purchase a foreign currency, you will be charged a foreign transaction fee.
