How To Improve Your Credit Score

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Credit for everyone – Regardless of your credit history!
Card Brand Visa®
Credit Recommended No to Good Credit
Rewards N/A
Regular APR 0.00%
Annual Fee $0.00
Monthly Fee N/A
Updated for Thu 09 Oct 2025
Set up an account with Current to have your refund direct deposited up to 5 days faster. Early access to tax refunds depends on the timing of the submission of the payment file from the payer. Current makes these funds available on the day the payment file is received, which may be up to 5 days earlier than the scheduled payment date. Click here for more information.
Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current deposit account is required to apply for the Current Visa® secured charge card. Independent approval required.
Regular APR | 0.00% |
---|---|
Annual Fee | $0.00 |
Monthly Fee | N/A |
Intro (Purchases) | n/a |
Intro (Transfers) | n/a |
Credit Recommended | No to Good Credit |
Cash Advance APR | See Website for Details |
Cash Advance Fee | See Website for Details |
Cash Grace Period | See Website for Details |
Late Payment Fee | See Website for Details |
Overlimit Fee | See Website for Details |
Return Check Fee | See Website for Details |
Foreign Transaction Fee | See Website for Details |
Balance Transfer Fee | See Website for Details |
Rewards Rate | N/A |
This is a real good, very transparent secured credit card. It feels like a credit card in every single way. It looks like a credit card on the outside as well. Since your credit limit is the same as your balance on deposit, there’s no risk of getting yourself in too deep.
They also offer gradually increasing payroll advance services at no cost as long as you receive your direct deposit through them. The only reason I stopped using their services is because I still owe them for my last advance. I’m sure I’ll be back to them at some point.