Earn points by using your Current Build Card at qualifying merchants, then redeem them for cash back directly in your Current account.
Earning Points
Who is eligible to earn points?
You can earn points if you have an active Build Card and either an eligible payroll deposit or an active Current Max subscription — or both.
How do I earn points?
Use your Build Card at qualifying merchants in your active earning categories. For every dollar you spend at an eligible merchant, you'll automatically earn points once the transaction settles.
To see your active earning categories, tap the Points icon on the Overview tab of the Current app.
Can I choose which categories I earn points on?
Depending on your offer, you may be able to personalize your earning categories. If category selection is available to you, you'll see the option in the Points section of the Current app. Your selection takes effect immediately once confirmed.
After making a selection, there's a period before you can change it again. The app will let you know when you're eligible to update your categories.
Do I earn points on all of my purchases?
No — points are only earned on purchases made with your Build Card at merchants that fall under your active earning categories. Points are awarded based on how the merchant is categorized by their payment processor, which may not always match how the store presents itself.
How long do pending points take to settle?
Pending points typically take 3–5 business days to settle, depending on the merchant. Once settled, they're available to redeem. Keep in mind the final point amount may adjust slightly after the transaction fully processes.
Redeeming Points
How do I redeem my points?
Tap the Points icon on the Overview tab of the Current app, then tap Redeem. You'll be able to see all available points and the redemption amounts before confirming.
What are the redemption tiers?
Points can be redeemed in tiered amounts. The available tiers and corresponding cash back values will always be shown in the app before you confirm a redemption.
What happens if I don't redeem my points?
Points expire one year from the date they were earned. Any points older than one year will be removed from your balance on their expiration date.
Can I return or cancel a redemption?
Once points have been redeemed, the transaction is final. We're unable to reverse or cancel a redemption after it has been processed.