# Arro: Build & Grow Credit — Cash Back Credit Builder Card > Credit builder card with cash back rewards and AI financial coaching. (iPhone/iPad app by ArroFi Inc..) - Source: https://appshunter.io/ios/app/arro-build-and-grow-credit/id6449683788 (this page in markdown: same URL + `.md`) - Developer: [ArroFi Inc.](https://appshunter.io/developer/1654817021) - Category: Finance, Education - Price: Free - Rating: 4.60/5 from 1,703 App Store ratings · 132 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 152 MB - Languages: American English - Released: 2023-06-02 - Data updated: 2026-09-01 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/arro-build-and-grow-credit/id6449683788/reviews.md ## What is Arro? Build credit fast with Arro, the credit builder app that helps you grow your credit score while earning cash back. Start with up to $300 credit limit and build credit history with no deposit required. Whether you're new to credit or rebuilding your score, Arro makes it easy to build credit, track your progress, and grow your credit limit up to $2,500. Why Choose Arro to Build Credit? Arro gives you instant access to a real Mastercard that builds credit while rewarding your everyday spending with 1% cash back on gas and groceries. Most credit builder programs require security deposits or lengthy waiting periods. With Arro, you can start building credit immediately and grow your credit score fast. No Deposit Required – Get up to $300 credit limit instantly, then grow your credit line up to $2,500 in the Arro app. Proven Results – Our credit builder program has helped thousands of members improve their credit scores by an average of 40 points within 2 months. Members who follow Arro recommendations often see 100+ point increases, with some reaching 715+ credit scores from having no credit history. Instant Access – Use your virtual Arro Card immediately while building credit. Add to Apple Pay and start earning rewards today. Build Credit While Earning Cash Back Arro rewards you for building credit. Earn 1% cash back on gas and groceries anywhere, including at major retailers like Walmart and Target. Every purchase helps build your credit score while putting money back in your pocket. 1% cash back on gas and groceries Cash back rewards at Walmart, Target, and thousands of retailers Build credit history with every purchase AI Financial Coach – Meet Artie, your AI financial coach. Artie is the first AI financial chatbot designed specifically for credit building. Artie actively helps you build credit faster through personalized credit score guidance and real-time advice. Artie acts as your personal credit card concierge and financial coach, nudging you to take actions that build your credit. Personalized Financial Education – Artie tailors your financial education journey, adapting to your knowledge level and financial goals to help you build credit more effectively. Real-Time Financial Guidance – Get immediate, accurate answers to credit and financial questions. Artie makes financial literacy accessible whether you're just starting to build credit or working to improve your score. Track Your Credit Score & Build Credit History Monitor your credit score in real-time and see how your credit building efforts pay off. Arro reports to all three major credit bureaus – TransUnion, Experian, and Equifax – ensuring your credit building progress is reflected across your entire credit profile. Free credit score tracking and monitoring Real-time updates on credit building progress Credit score insights and improvement recommendations Reports to all three major credit bureaus Financial Education That Builds Credit Build credit while building financial knowledge. With Arro's financial education, you: Build credit and improve your credit score Master budgeting and money management Understand debt and credit utilization Save for future goals and emergencies Make smart financial decisions that build wealth Earn Rewards for Building Credit Arro rewards healthy financial habits that build credit. Complete financial education lessons, set up AutoPay, and make consistent payments to unlock credit line increases and exclusive rewards. Credit line increases for responsible credit building Rewards for completing financial education AutoPay setup to build consistent payment history Exclusive offers and financial benefits Start Building Credit Today Join thousands of members who've improved their credit scores with Arro. Whether you're building credit for the first time or rebuilding your credit score, Arro gives you the tools, rewards, and AI-powered guidance to succeed. Download Arro now and start building better credit today. ## Key features - 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 ## What do users think of Arro? Overall sentiment: mixed **Pros** - 👍 Helpful for building credit - 🚀 Seamless financial experience - 💡 Gamified learning about credit - 🚀 Instant credit limit increases - 👍 Responsive customer support **Cons** - 🐛 App issues (loading, freezing, bugs) - 🐛 Virtual card not working - 🐛 Rewards/credit limit issues - 🐛 Difficulty logging in/accessing account **Commonly reported bugs** - Payments not posting correctly - Account access/login problems - Rewards/credit limit issues **Most requested features** - Express payment option - Improved app stability and reliability ## Recent user reviews (10 of 132) All indexed reviews: https://appshunter.io/ios/app/arro-build-and-grow-credit/id6449683788/reviews.md ### 5/5 — Growth *2026-08-04, version 1.29.0* Excellent card to grow and learn about credit ### 1/5 — Loops at login *2026-07-21, version 1.27.0* App loops at login even with updated version 1.27.0, can’t use. ### 3/5 — Great concept *2026-07-20, version 1.27.0* Love the product. But customer service is hard to get ahold of. And being a customer for a couple months now, still have not received my physical card ### 1/5 — Credit limit increases not happening *2026-07-14, version 1.26.0* 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… ### 5/5 — Loving it *2026-07-12, version 1.26.0* 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 ### 1/5 — They racist *2026-06-04, version 1.20.0* Don’t do any business with arro they are racist and very discriminatory ### 1/5 — Won’t Close Account *2026-06-04, version 1.20.0* 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! ### 1/5 — It Was Fine Until It Wasn’t *2026-06-04* 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. ### 1/5 — Poor Customer Service & Refusal to Close Credit Card *2026-06-02* The benefits associated with this card were reduced, and yet a higher annual fee presented on my card. I requested my card be closed as it no longer benefits me to keep this line of credit. Getting a hold of customer service was difficult. I received an automated response. I reached out again and received a slightly more detailed explanation. Telling me that the annual fee was in line with my increased credit. I will tell you that the annual fee is significantly high for the amount of credit that they have extended. The annual fee amounts over 15% of the total credit limit of the card. They refused to close the card for a second time. I have since responded that according to the fair credit government website, they are too close my account upon my request and I’m currently waiting for a response. I would never choose this credit card again, knowing what I know now. When I first accepted this credit card it had significantly more benefits. Do not let them trick you with their cute mascot… and stick to a mainstream credit card for your needs. ### 1/5 — Capped credit limit *2026-06-02, version 1.20.0* Capped credit limit after years of good credit management ## Frequently asked questions about Arro ### 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. ## Version history (last 5 releases) ### 1.35.0 — 2026-08-31 Usability improvements and bug fixes. ### 1.34.0 — 2026-08-15 Usability improvements and bug fixes. ### 1.31.0 — 2026-08-09 Usability improvements and bug fixes. ### 1.29.0 — 2026-08-01 Usability improvements and bug fixes. ### 1.28.0 — 2026-07-25 Usability improvements and bug fixes. ## Apps similar to Arro | App | Rating | Price | Category | | --- | --- | --- | --- | | [Kikoff – Build Credit Quickly](https://appshunter.io/ios/app/kikoff-build-credit-quickly/id1525159784) | 4.9 (265,158) | Free | Finance | | [Intuit Credit Karma](https://appshunter.io/ios/app/intuit-credit-karma/id519817714) | 4.8 (7,717,227) | Free | Finance | | [Possible: Fast Cash & Credit](https://appshunter.io/ios/app/possible-fast-cash-and-credit/id1380384597) | 4.8 (134,258) | Free | Finance | | [Brigit: Cash Advance & Credit](https://appshunter.io/ios/app/brigit-cash-advance-and-credit/id1341884073) | 4.8 (552,527) | Free | Finance | | [Chime® – Mobile Banking](https://appshunter.io/ios/app/chime-mobile-banking/id836215269) | 4.8 (1,573,113) | Free | Finance | | [Rocket Money - Bills & Budgets](https://appshunter.io/ios/app/rocket-money-bills-and-budgets/id1130616675) | 4.5 (383,770) | Free | Finance | ## Related topics [arro](https://appshunter.io/ios/topics/arro) · [rebuild credit](https://appshunter.io/ios/topics/rebuild-credit) · [esusu credit app](https://appshunter.io/ios/topics/esusu-credit-app) · [app limit credit](https://appshunter.io/ios/topics/app-limit-credit) · [grow credit](https://appshunter.io/ios/topics/grow-credit) · [cumoney](https://appshunter.io/ios/topics/cumoney) · [gsr quick credit](https://appshunter.io/ios/topics/gsr-quick-credit) · [app builder free credit](https://appshunter.io/ios/topics/app-builder-free-credit) · [ava credit building](https://appshunter.io/ios/topics/ava-credit-building) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*