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Arro Credit Card Review

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The Arro credit card is designed for those with fair credit or worse. It’s changing the traditional path to developing a credit history. Arro not only focuses on approving potential credit card holders with below-average credit scores but also rewards them for learning and developing financial skills that can allow them to increase and maintain their credit profiles.

While new Arro cardholders won’t experience any of the rewards and benefits of more traditional cards, the product can be a valuable and low-cost financial tool for developing a credit journey or rebuilding a credit profile that’s seen better days.

Arro credit card feature image

Top-Rated Loans for Fair Credit Applicants


  • Low APR

  • No security deposit is necessary

  • Applying draws only a soft inquiry on your credit report

  • Low membership fees

  • Educational app can help increase credit limit and lower interest rate


  • Rewards program unavailable

  • No introductory bonuses are available

  • Low introductory credit limit

Arro Card Reviews: Features and Benefits

The Arro card ranks on our list of the best credit cards that don’t require a security deposit for several reasons. The card doesn’t offer a rewards system of the points variety, as one of the best gas and grocery credit cards might.

Instead, Arro focuses on approving those with fair or poor credit and helping to increase their credit score and reduce their interest payments through education and goal setting.

As an Arro cardholder, expect a low starting APR of 16% that can drop over time through educational steps available in the app. However, also expect a very low starting credit limit of between $50 and $200, which can increase over time through app actions.

It’s not much, but Arro won’t perform a hard credit inquiry of any kind on your credit report, so even formally applying for the card won’t negatively impact your credit score, regardless of approval or denial.

Arro Card Features

  • Starting APR 16%
  • $50 to $200 intro credit limit
  • No credit check to qualify
  • No hard inquiry on credit report for applying
  • $1 monthly membership fee for the first year
  • $3 monthly membership fee after first year
  • No security deposit needed
  • Credit limit increase potential in the app
  • Instant card access after approval
  • Financial education available to unlock added benefits
  • Mobile phone and bank account needed for approval
  • No rewards program
  • No introductory bonus is available
  • Reports to all three major credit bureaus
  • Pre-qualification won’t affect credit score
  • Mobile app available
  • 3% foreign transaction fee
  • $2,500 credit limit potential over time

A Personal Loan vs. The Arro Card (for building credit)

Personal loans can be a smart alternative to Arro credit cards for those looking to improve their credit score. Unlike credit cards, personal loans offer a fixed repayment term and potentially lower interest rates.

Online lenders like Upstart and Credible cater to a wide range of credit profiles, with some personal loans qualifying borrowers with scores as low as 580.

Here’s why a personal loan might be a better choice:

  • Fixed Rates: Predictable monthly payments help you budget effectively.
  • Potentially Lower APR: Compared to credit cards, personal loans can save you money on interest.
  • Credit Building: On-time payments contribute positively to your credit score.

Consider researching the best personal loans for fair credit in 2024.

Arro Editorial Rating

Trusted Company Reviews Rating Score for the Arro Card: 8.5

Our best credit card reviews often focus on products that provide immediate rewards, often in the form of cash-back or other tangibles. The Arro card makes our review list for its reward benefits of a different variety.

Instead of providing instant cash-back and other features, Arro customers can benefit from a low starting credit limit, low-interest rate, and low fees without having to place a security deposit or deal with the limitations of a secured credit card. The company also reports to all three major credit bureaus to build credit profiles effectively where it matters.

Additionally, the company offers customers the chance to lower their APR even further or increase their credit line over time by performing education-related tasks in the mandatory mobile app download.

The ultimate reward for the Arro credit card is an improved credit profile and a deeper knowledge of skills that can help increase and maintain credit scores.

Benefits Performing educational tasks on the Arro mobile app can help reduce the card’s interest rate and increase the customer’s spending credit limit. 
Intro Offer Monthly membership fee is reduced to $1 for the first 12 months. 
APR 16% starting
Annual Fee $12 during the first year, $36 during subsequent years
Credit Score Requirements None

About the Arro Card

The Arro credit card is designed to help applicants improve their fair to poor credit scores. To that end, Arro makes becoming approved for its card easy. Applicants aren’t required to have a credit score or history. The company focuses on financial evidence for approval or denial after potential cardholders connect their bank account to their Arro credit card account.

Arro performs a soft credit inquiry that doesn’t affect credit scores and won’t appear in future inquiries for all applicants. Applying and becoming approved for an Arro card never incurs a hard inquiry on your credit report.

Arro cardmembers will then pay a $1 monthly membership fee for the first year. The membership fee increases to $3 monthly after that. Customers are encouraged to use the Arro mobile app to educate themselves on credit management skills during card ownership. Customers can lower their APR or increase their spending limit by doing so.

How to Use the Arro Card

The Arro card is usable anywhere credit cards are normally accepted. The primary difference between other credit cards and the Arro card is how customers interact with the mobile app more so than with the card itself.

Besides providing the normal functions of a typical credit card mobile application, the Arro app provides educational and credit-skill-building tasks for customers to complete. While completing each task is optional, doing so can either increase the spending limit on the Arro card or reduce its interest rate.

Arro Mobile App

The Arro Mobile App is available for Android and iOS devices on Google Play and the App Store. Because Arro is a fully online FinTech company, card applicants and holders must download the app and manage their accounts with it.

Besides offering educational tools and tasks designed to enhance the card-ownership experience, app users can also perform the following card-related functions.

  • See their payment due date
  • Make payments
  • See their credit card balance
  • Review transactions and history
  • Follow their credit profile and score progress
  • Set up recurring payments
  • Access credit education courses and tasks to improve financial wellness

About Arro Card Pre-Approval

Becoming approved for the Arro card can feel different than applying for a more traditional credit card. Arro operates completely online. Instead of providing a pre-qualifying or pre-approval step, Arro requires applicants to supply personal and financial information and digitally connect their bank account to Arro.

From there, the company will offer a starting credit limit of between $50 and $200, depending on overall approval and financial details. Arro will never perform a hard pull on a credit report. After approval, new cardmembers will receive a virtual and physical Arro Mastercard® usable anywhere Mastercard is accepted.

Arro Cash Advances

The Arro card’s tiny starting credit limit of between $50 and $200 isn’t very helpful when it comes to balance transfer debt consolidation with the card. Arro doesn’t supply balance transfer information for its card, and it’s likely that a provision doesn’t exist to allow the practice.

Potential Arro card customers looking to consolidate debt using a credit card or personal loan will do better with another option, such as one of the best balance transfer cards for fair credit, than with the Arro credit card.

Check out recent reviews on credit cards and personal loans:

Consider Top-Rated Personal Loans for Fair Credit

Lender Fixed (APR) Loan Amounts
Minimum Credit Score
Upstart Personal Loan 6.40% to 35.99% $1,000 to $50,000 620
LightStream Personal Loan 7.49% to 25.49% $5,000 to $100,000 700
Discover Personal Loan 7.99% to 24.99% $2,500 to $40,000 660
PenFed Credit Union Loan 8.49% to 17.99% $600 to $50,000 700
Upgrade Personal Loan 8.49% to $35.99% $1,000 to $50,000 600
Sofi Personal Loan 8.99% to 25.81% $50,000 to $100,000
Does Not Disclose
Best Egg Personal Loan 8.99% to 35.99% $20,000 to $50,000 600
LendingClub Personal Loan 9.57% to 35.99% $1,000 to $40,000 660
Avant Personal Loan 9.95% to 35.99% $20,000 to $35,000 550
Universal Credit Personal Loan 11.69% to 35.99% $1,000 to $50,000 560
OneMain Financial Personal Loan 18% to 35.99% $1,500 to $20,000
Does Not Disclose
Zable Personal Loans 8% to 30% $1,000 to $25,000 600
Happy Money Debt Consolidation Loan 11.72% to 24.67% $3,000 to $40,000 640

Source:, Top-Rated Personal Loans Review

Arro Credit Card Reviews

Arro credit card reviews are highly mixed. While many customers award high ratings above 4 of 5 stars, many also express poor customer service experiences. However, Arro’s unsecured credit card is a relatively new product. Many of the negative reviews refer to the company’s other financial products, such as online banking services and secured credit card options.

That said, while the Arro unsecured credit card offers unique financial tools, low interest rates, and low fees, reading some of the positive and negative reviews before applying for the card is highly recommended to ensure that getting an Arro credit card is worth it to you.

Why the Arro Card Stands Out

You won’t find the Arro credit card on many of the best credit card lists. The card simply doesn’t feature the immediate reward returns of more traditional credit cards to land itself a spot based on rewards. Arro, as a company, has also recently faced some negative reviews that are unappealing at best.

However, we introduced the card in our review as an option for those seeking a non-traditional method of improving their financial wellness without relying on a secured credit card or dealing with the approval requirements of a traditional card.

Frequently Asked Questions

Is the Arro credit card legit?

What is the Arro credit card customer service number?

Are there other credit cards like Arro?

Is there an Arro business credit card?

Does the Arro Credit Card Have Foreign Transaction Fees?


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About Author

Dr. Ali
Deane Biermeier is a prominent figure in all things finance and home improvement, renowned for his detailed written content, analyses, and expert advice. Over the past several years, he's contributed to industry-leading publications such as Forbes Home, Angi/HomeAdvisor, US News and World Report, Newsweek Vault, and Family Handyman. Deane's expertise is further established and recognized through his review board roles and by providing expert insights at The Spruce and Family Handyman. His recent affiliation with in 2023 further solidifies his position as a respected authority in his field. Key Highlights Extensive Publication Contributions: Deane's work is featured across multiple esteemed platforms, including Forbes Home, Angi/HomeAdvisor, US News, Newsweek Vault, and more. Expert Consulting and Insight: Offers specialized content reviews and consultations for The Spruce and Family Handyman, using his vast knowledge and experience. What Makes Deane Biermeier Stand Out? Deane's writing goes beyond providing lists of information. He strives to make complex topics understandable and breaks them down into easy-to-understand points so his readers can make confident decisions quickly. His content covers a wide array of topics, offering practical and valuable information on home-related, DIY, and home and personal finances. Philosophy and Approach Deane firmly believes in the power of informed decision-making and empowers his readers to do the same. His reviews focus on delivering essential and pertinent information with honesty and transparency without bias. He stresses the importance of understanding the full picture before committing to financial products or home improvement services and provides relevant information to ensure his readers can make confident decisions. Impact and Recognition Readers and industry leaders have widely acknowledged Deane's contributions. Delivering trustworthy information has made him a go-to source for those seeking practical advice on home improvement and financial decisions. With years of field experience complemented by thorough research, Deane continues to serve as a valuable resource for homeowners and consumers alike. Engage with Deane Biermeier Readers are encouraged to follow Deane for the latest reviews and updates. His author bio page, featuring his latest content, is filled with valuable insights and information to refer to when making product and provider choices. Sharing his profile and work on social media is a great way to empower others with useful and factual information.
Dr. Ali

Deane Biermeier

Last Updated: April 12, 2024