Empower Your Financial Future

Build your credit and boost your financial knowledge—all with Arro. Your journey to financial freedom starts here.

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Arro Credit Card

Start with up to $200 and grow your credit immediately in the app.

Arro Credit Card

Start with up to $200 and grow your credit immediately in the app.

Arro Learning App

Challenge yourself to master your finances with lessons and rewards.

Credit based on your bank account,
not your score

INTRO CREDIT LIMIT

$50-$200

Earn more credit instantly right in the app!

INTRO CREDIT LIMIT

$50-$200

Earn more credit instantly right in the app!

INTRO CREDIT LIMIT

$50-$200

Earn more credit instantly right in the app!

STARTING APR

16%

Lower your interest rate as you level up.

STARTING APR

16%

Lower your interest rate as you level up.

STARTING APR

16%

Lower your interest rate as you level up.

ANNUAL MEMBERSHIP

$75 $36/year

Discounted as low as $12 for your first year.

ANNUAL MEMBERSHIP

$75 $36/year

Discounted as low as $12 for your first year.

ANNUAL MEMBERSHIP

$75 $36/year

Discounted as low as $12 for your first year.

Level up in 5 minutes per day

Our app makes mastering money fun and easy with bite-sized lessons and rewards for staying on track. It's not just about paying off your card—it's about empowering your financial future.

Apply now

Crush your goals

With Arro, you can achieve lower interest rates, boost your credit score, and master financial literacy. Save for your dream home, build an emergency fund, and enjoy long-term support.

Apply now

Learn with our AI Financial Coach

Get instant help with our AI-powered chatbot. Whether you have questions about your credit or need advice on financial decisions, our chatbot is here 24/7 to support you.

Apply now

Apply in 5 min or less

No credit history required

No security deposit

No hard credit check to apply

Apply now

Hear what Arro members are saying

Jessica Gattie
11/25/2023
Amazing credit card/app!
They start you off with a small credit limit, and you can build it over time by taking their credit literacy lessons and by good practices with your account. I love it. Capital One was a horrible experience for me. My experience with Arro has definitely been much better!
zoomdawsy
12/9/2023
Love love love
Rarely write reviews but wow! I am never approved for any credit cards that didn’t require a big ole down deposit. I’m a college student and being able to actually access a real credit card with no credit check and only relying on income is amazing. I love the whole concept of credit and financial lessons being completed to raise the credit limit in small amounts, and I love how digestible the content is. Seriously I cannot recommend this enough and will be telling all my family about this. Heres to a better financial future :)
Cadence Leah
12/19/2023
Amazing Customer Service!!!
I cannot say enough good things about Arro customer service. They responded within 24 hours and resolve my issue within the same day even when other obstacles came up they constantly responded to my email and were quick to fix the problem. I highly recommend error credit card for anybody looking to build their credit!
njones1984
02/28/2024
Refreshing Methodolgy and Honesty
Love Arro! I’ve had it for about two months and it’s been a great way to increase my credit limit at an appropriate pace that I can manage. Each time I’ve completed the tasks in the app, my limit has increased instantly. I want to thank Arro. I really appreciate it. What a smart way to revolutionize the credit card industry.. not taking advantage of beginners or those who need some financial literacy.
MGg<3
02/28/2024
OUTSTANDING
I almost never write app reviews, but I had to take the time to write this one because of how incredible this company is. I’m in the process of rebuilding my credit and the instant approval with NO hard credit check and NO deposit was a game changer. I wasn’t looking for an instant approval—no deposit card so that I could have more money to spend; it truly was to build my credit and there were no options out there like this. And I LOVE that the only way to increase your limit is by *learning* about responsible credit usage.
KittinFan
07/20/2024
Arro is great for EVERYBODY
I was very skeptical about this product because of the annual fee and all that, but it’s been a valuable tool in managing my financial health. I’m almost 40 years old and this app has taught me things I never even knew about finances! I recommend this to anybody looking to learn to manage finances - no matter what age. What’s also great is the card has a low Apr to start — only 16% which is roughly HALF the interest of a standard unsecured credit card nowadays. I love how it financially educates you and offers credit limit increases and Apr decreases by completing courses right in the app! Artie, the Arro AI, is also very helpful. You can ask it anything about your account and it’s also very valuable. I highly recommend this card to anybody at any age. It’s never too late to turn things around and learn finances the RIGHT way!

Jessica Gattie
11/25/2023
Amazing credit card/app!
They start you off with a small credit limit, and you can build it over time by taking their credit literacy lessons and by good practices with your account. I love it. Capital One was a horrible experience for me. My experience with Arro has definitely been much better!
zoomdawsy
12/9/2023
Love love love
Rarely write reviews but wow! I am never approved for any credit cards that didn’t require a big ole down deposit. I’m a college student and being able to actually access a real credit card with no credit check and only relying on income is amazing. I love the whole concept of credit and financial lessons being completed to raise the credit limit in small amounts, and I love how digestible the content is. Seriously I cannot recommend this enough and will be telling all my family about this. Heres to a better financial future :)
Cadence Leah
12/19/2023
Amazing Customer Service!!!
I cannot say enough good things about Arro customer service. They responded within 24 hours and resolve my issue within the same day even when other obstacles came up they constantly responded to my email and were quick to fix the problem. I highly recommend error credit card for anybody looking to build their credit!
njones1984
02/28/2024
Refreshing Methodolgy and Honesty
Love Arro! I’ve had it for about two months and it’s been a great way to increase my credit limit at an appropriate pace that I can manage. Each time I’ve completed the tasks in the app, my limit has increased instantly. I want to thank Arro. I really appreciate it. What a smart way to revolutionize the credit card industry.. not taking advantage of beginners or those who need some financial literacy.
MGg<3
02/28/2024
OUTSTANDING
I almost never write app reviews, but I had to take the time to write this one because of how incredible this company is. I’m in the process of rebuilding my credit and the instant approval with NO hard credit check and NO deposit was a game changer. I wasn’t looking for an instant approval—no deposit card so that I could have more money to spend; it truly was to build my credit and there were no options out there like this. And I LOVE that the only way to increase your limit is by *learning* about responsible credit usage.
KittinFan
07/20/2024
Arro is great for EVERYBODY
I was very skeptical about this product because of the annual fee and all that, but it’s been a valuable tool in managing my financial health. I’m almost 40 years old and this app has taught me things I never even knew about finances! I recommend this to anybody looking to learn to manage finances - no matter what age. What’s also great is the card has a low Apr to start — only 16% which is roughly HALF the interest of a standard unsecured credit card nowadays. I love how it financially educates you and offers credit limit increases and Apr decreases by completing courses right in the app! Artie, the Arro AI, is also very helpful. You can ask it anything about your account and it’s also very valuable. I highly recommend this card to anybody at any age. It’s never too late to turn things around and learn finances the RIGHT way!

Jessica Gattie
11/25/2023
Amazing credit card/app!
They start you off with a small credit limit, and you can build it over time by taking their credit literacy lessons and by good practices with your account. I love it. Capital One was a horrible experience for me. My experience with Arro has definitely been much better!
zoomdawsy
12/9/2023
Love love love
Rarely write reviews but wow! I am never approved for any credit cards that didn’t require a big ole down deposit. I’m a college student and being able to actually access a real credit card with no credit check and only relying on income is amazing. I love the whole concept of credit and financial lessons being completed to raise the credit limit in small amounts, and I love how digestible the content is. Seriously I cannot recommend this enough and will be telling all my family about this. Heres to a better financial future :)
Cadence Leah
12/19/2023
Amazing Customer Service!!!
I cannot say enough good things about Arro customer service. They responded within 24 hours and resolve my issue within the same day even when other obstacles came up they constantly responded to my email and were quick to fix the problem. I highly recommend error credit card for anybody looking to build their credit!
njones1984
02/28/2024
Refreshing Methodolgy and Honesty
Love Arro! I’ve had it for about two months and it’s been a great way to increase my credit limit at an appropriate pace that I can manage. Each time I’ve completed the tasks in the app, my limit has increased instantly. I want to thank Arro. I really appreciate it. What a smart way to revolutionize the credit card industry.. not taking advantage of beginners or those who need some financial literacy.
MGg<3
02/28/2024
OUTSTANDING
I almost never write app reviews, but I had to take the time to write this one because of how incredible this company is. I’m in the process of rebuilding my credit and the instant approval with NO hard credit check and NO deposit was a game changer. I wasn’t looking for an instant approval—no deposit card so that I could have more money to spend; it truly was to build my credit and there were no options out there like this. And I LOVE that the only way to increase your limit is by *learning* about responsible credit usage.
KittinFan
07/20/2024
Arro is great for EVERYBODY
I was very skeptical about this product because of the annual fee and all that, but it’s been a valuable tool in managing my financial health. I’m almost 40 years old and this app has taught me things I never even knew about finances! I recommend this to anybody looking to learn to manage finances - no matter what age. What’s also great is the card has a low Apr to start — only 16% which is roughly HALF the interest of a standard unsecured credit card nowadays. I love how it financially educates you and offers credit limit increases and Apr decreases by completing courses right in the app! Artie, the Arro AI, is also very helpful. You can ask it anything about your account and it’s also very valuable. I highly recommend this card to anybody at any age. It’s never too late to turn things around and learn finances the RIGHT way!

Join our squad

Be part of a movement that's changing the credit game. At Arro, we're making financial opportunities accessible to everyone. Together, we're leveling the playing field and building a brighter financial future for all.