Arro: Build & Grow Credit

Arro: Build & Grow Credit

Cash Back Credit Builder Card

1.7K ratings
129 reviews
Free

Details

  • Released
  • Updated
  • June 2, 2023
  • July 18, 2026

Features

Arro: Build & Grow Credit screenshot #1 for iPhone
Arro: Build & Grow Credit screenshot #2 for iPhone
Arro: Build & Grow Credit screenshot #3 for iPhone
Arro: Build & Grow Credit screenshot #4 for iPhone
Arro: Build & Grow Credit screenshot #5 for iPhone
Arro: Build & Grow Credit screenshot #6 for iPhone
Arro: Build & Grow Credit screenshot #7 for iPhone
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About

Build your credit score and earn cash back rewards with this credit builder card. Start with a credit limit up to $300 and grow it to $2,500. Get personalized financial guidance from an AI coach and track your progress with real-time updates.

Build credit history
Earn 1% cash back on gas and groceries
No deposit required
Credit limit up to $2,500
AI financial coach
Free credit score tracking
Reports to major credit bureaus
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What users say

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+1

What's New in Arro

1.27.0

July 18, 2026

Usability improvements and bug fixes.

User reviews

Credit limit increases not happening

About to hit my year, limit is a paltry $105. When I asked support - as others have mentioned - they claim they are doing upgrades, just to keep using the card and doing the courses. Well, I’m at the Platinum tier, and literally have to use this card and pay it off twice a month. Not the card I thought I was getting with my $6200 gross monthly income. I would suggest trying OpenSky or another card that can actually grow with you. Because this card is now DOA and they are simply pushing a credit building product instead…
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Loving it

I had no credit card and I was literally only accepted for a secure credit card and I realized that it was basically a debit card with a fancy title and then I tried the Arro credit card and was excepted with a small credit limit but by all means it has taught me how to manage my money and for that I am grateful
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They racist

Don’t do any business with arro they are racist and very discriminatory

Won’t Close Account

I’ve been trying to close my account since February. They told me the account would be closed once my balance was paid. I paid the balance and the account was not closed. They just sent me a bill for new membership charges. DO NOT USE THIS COMPANY!

It Was Fine Until It Wasn’t

I got my Arro card a year ago, and I enjoyed the perks of getting gradual increases while learning about credit. I followed all the steps and was making regular progress. Then I started noticing that it was taking longer And longer for them to process my payment. The perks started going away and it was like it was a totally different card than what I had signed up for. It started denying charges when I had plenty of credit available. Then at my year mark, I was hit with an annual fee of $36 which was problematic because they had taken away all of the benefits of this card. They do not have real customer service agent that you can speak to on the phone. And when you do, email them for Support, You get an AI generated response. Do not fall victim to this card like I did. It’s not worth it. I’m stuck with a card that they’re refusing to close because I can’t actually talk to a human being.
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User experience

🐞

Reported Bugs

3 issues

Payments not posting correctly

Bug

Account access/login problems

Bug

Rewards/credit limit issues

Bug

Requested Features

2 requests

Express payment option

Feature

Improved app stability and reliability

Feature

FAQ

What does Arro do?

Arro is a credit builder app that provides a real Mastercard to help you build your credit history. It allows you to earn cash back on purchases while simultaneously improving your credit score. The app also offers an AI financial coach to provide personalized guidance.

How can I build credit with Arro?

You can build credit with Arro by using their credit builder card for everyday purchases. Every transaction is reported to the three major credit bureaus (TransUnion, Experian, and Equifax), helping to establish and improve your credit history. The app also provides personalized recommendations from its AI coach to accelerate your credit building.

Is there a cost to use Arro?

The Arro app itself is free to use, and there is no deposit required to start building credit. You can get an initial credit limit of up to $300, which can grow up to $2,500 within the app. While the core credit building and tracking features are free, the app may have in-app purchases for additional services or premium features.

What are the benefits of using Arro?

Key benefits include building credit fast without a deposit, earning 1% cash back on gas and groceries, and receiving personalized financial advice from an AI coach named Artie. You can also track your credit score in real-time and see your progress reported to all major credit bureaus.

Who is Arro for?

Arro is designed for individuals who are new to credit, looking to rebuild their credit score, or want to earn rewards while establishing a credit history. It's particularly useful for those who may not qualify for traditional credit cards or prefer a guided approach to financial management.