The Ultimate Guide to Credit Cards™
Monday, July 6, 2026

Arro Card

Ashley Fricker

By: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

See Full Bio »
Close

Editor: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian Guevara-Castro, Senior Editor

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.

See Full Bio »
Close

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
Arro Card Review

Our Rating

4.0 /5.0 ★★★★★

Are you considering the Arro Card? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to others on the market.

In reviewing the card, our staff rated it a 4.0 out of 5.0.

This is a solid card for anyone looking to build credit rather than borrow a lot of money. You'll start with a credit limit of between $50 and $300, with regularly opportunities to increase your credit limit all the way to $2,500. It's starting interest rate is more than fair, and there's no security deposit required.

Here's a rundown of the key features, rates, and terms of the Arro Card:

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

Arro Card

Arro Card Review

at the issuer'ssecure website

Our Review »
  • No hard inquiry to apply.
  • Apply in 5 minutes or less.
  • Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
  • Earn 1% cash back on gas & groceries, including Walmart and Target
  • Instantly increase your credit limit as you master your personal finances in the Arro app.
  • Reports to all 3 credit bureaus.
  • The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
Show MoreShow Less See application, terms and details »
Intro (Purchases) N/A
Intro (Transfers) N/A
Regular APR 24.99%
Annual Fee $60 (discounted in Year 1 for starting credit lines under $300)
Credit Needed All Credit Types Accepted

There's certainly a lot to like about the Arro Card. Let's dive deeper into the card's rates and fees, as they could make or break whether owning the Arro Card is right for you.

Interest Rate & Annual Fee

According to the issuer, the Arro Card currently charges the following interest rates on purchases and balance transfers:

  • Purchase Intro: N/A
  • Balance Transfer Intro: N/A
  • Regular APR: 24.99%

Here's the annual fee for the Arro Card as listed by the issuer:

  • Annual Fee: $60 (discounted in Year 1 for starting credit lines under $300)
See site for details »

Credit Needed for Approval

According to the issuer, the current general credit history requirement for the Arro Card is:

  • Credit Level: All Credit Types Accepted

If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.

Keep in mind that rates and features may change, so if you like what the Arro Card is offering today, you may want to apply now to lock it in current terms before it's too late.

How Does It Rank?

Below are all the ratings our team gives the Arro Card, along with the card's ranking within each category. To see how it compares to other cards, simply click on the category name:

Best Overall
(Ranked #117 out of 140)
★★★★★
4.0
Instant Approval
(Ranked #2 out of 13)
★★★★★
4.8
Low APR
(Ranked #20 out of 33)
★★★★★
4.5
No Credit
(Ranked #16 out of 27)
★★★★★
4.3
Unsecured
(Ranked #1 out of 14)
★★★★★
4.8

Bottom Line on Arro Card

Arro Card Review

All told, our team's review of the Arro Card resulted in a rating of 4.0 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks.

If you're ready to apply for the Arro Card, here is the link the issuer's official application:

Go To Application »

About the Author

Ashley Fricker

Ashley Fricker

Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

View Ashley's Full Profile »