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Arro: Build & Grow Credit

Arro: Build & Grow Credit

Cash Back Credit Builder Card

1.8K ratings
139 reviews
📚 Education
💰 Finance
Free

Details

Released
June 2, 2023
Updated
October 19, 2026

Features

Developer

ArroFi Inc.
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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 about Arro

Reviews of Arro are mixed: the Finance app is rated 4.6/5 from 1.8K App Store ratings. What users like most: helpful for building credit, seamless financial experience. Top complaints: app issues (loading, freezing, bugs), virtual card not working. Summarized from real user reviews.

Positive things

  • 👍Helpful for building credit
  • 🚀Seamless financial experience
  • 💡Gamified learning about credit
  • 🚀Instant credit limit increases
  • 👍Responsive customer support

Negative things

  • 🐛App issues (loading, freezing, bugs)
  • 🐛Virtual card not working
  • 🐛Rewards/credit limit issues
  • 🐛Difficulty logging in/accessing account
See all reviews

What's New in Arro

1.45.0

October 19, 2026

Usability improvements and bug fixes.

User reviews

Most RecentHighest RatedLowest Rated

Scam

I applied for the credit card after having the credit builder account for 6 months and made on time payments and they said they could not verify my identity and declined my application and said I’m only allowed to apply once in my lifetime.
M.M B m .

Account status

I was doing well paying my credit card each month then fell behind financially. I paid off all my debt and months go by where I would open a ticket and no response. It says every month I have a balance yet when I pay it, it says the balance is greater (even though the auto calculate button calculated it for me). I’m not the only one with this issue as I’ve read up on. No one has replied to closing my account completely and it’s a cycle. Even when I pay the full balance, I still receive emails about how it’s late.
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DKDesk kick

Regulatory authorities contacted

I’ve had to contact Community First Savings Bank, their issuing bank, and the FDIC, to get them to close my account. Next step is getting an attorney involved. If you are one who reads reviews, take heed: they are not what you want and none of their ads are good.
RRienraus

Love this app

So far my balance has increased
Just starting low but my line of credit has increased
I’m very happy
Jjorgedelao66

TAKING LEGAL ACTION

Suing.
ZZareals
See 134 more reviews

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.