Arro: Credit Card & Cash Back

4.1
1.22K reviews
100K+
Downloads
Content rating
Everyone
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About this app

Build credit fast with Arro and grow your credit score up to $2,500 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 fast and grow your credit limit higher than other credit builder apps.
Why Choose Arro to Build Credit Fast? Unlike other credit builder apps, Arro gives you instant access to a real Mastercard that builds credit while rewarding your spending. Most credit builder programs require security deposits or waiting periods. With Arro, start building credit immediately.
No Deposit Required – Get up to $300 credit limit instantly, then grow up to $2,500 as you build credit history
Build Credit Fast with Proven Results – Members improve credit scores by 40 points within 2 months. Many see 100+ point increases, reaching 715+ credit scores from no credit history
Instant Access – Use your virtual Arro Card immediately. Add to Google Pay and earn 1% cash back on gas and groceries today
Build Credit While Earning Cash Back Arro rewards you for building credit. Earn 1% cash back on gas and groceries at major retailers like Walmart and Target. Every purchase helps build your credit score while putting money back in your pocket.
Meet Artie: Your AI Financial Coach Arro's AI financial coach, Artie, is designed specifically for credit building. Artie actively helps you build credit faster through personalized guidance and real-time support.
Personalized Financial Education tailored to your knowledge level and goals
Real-Time Financial Guidance for credit and financial questions
Credit Card Concierge Service – nudges for payments and financial lessons
AI-Powered Budgeting & Insights for spending patterns and savings tips
Track Your Credit Score & Build Credit History Monitor your credit score in real-time. Arro reports to all three major credit bureaus – TransUnion, Experian, and Equifax.
Free credit score tracking and monitoring
Real-time credit building progress updates
Credit score insights and improvement recommendations
Financial Education That Builds Credit Build credit while building financial knowledge through bite-sized lessons on budgeting, debt management, savings, investment basics, and smart financial decisions.
Advanced Features
Smart Debt Management and credit utilization optimization
Investment Guidance for growing wealth beyond credit building
Savings Account Integration for emergency funds
Loan Education for understanding credit impact
Earn Rewards for Building Credit Complete financial education lessons, set up autopay, and make consistent payments to unlock credit line increases up to $2,500 and exclusive rewards.
Real Member Success Stories "Instant approval with NO hard credit check and NO deposit was a game changer." – Maggie G.
"Arro teaches me how to manage my money and boost my credit score. The more I learn, the higher my credit limit becomes." – Prati N.
Security & Trust Bank-level security and encryption, FDIC-insured partner banks, transparent fee structure with no hidden charges.
Why Arro Beats the Competition
vs Grow Credit: Higher credit limit ($2,500), better ratings (4.4 vs 3.8), actual cash back rewards
vs Self: No deposit required, instant virtual card access, AI-powered coaching
vs Credit Karma: Actual credit card with rewards, not just monitoring
Start Building Credit Today Join thousands of members who've improved their credit scores with Arro. Whether building credit for the first time or rebuilding after challenges, Arro gives you the tools, rewards, and AI-powered guidance to succeed.
Download Arro now and start building better credit today. Apply in under 5 minutes and get instant access to your virtual card. Your journey to financial freedom starts here.
Updated on
Sep 18, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Financial info and 2 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.1
1.19K reviews
Greg
May 28, 2024
It takes entirely too long for your payments to process (7-10) business days. Also, it doesn't track your "education" progress or payment bank account frequently enough. I have to wait days after my payment account reflects a balance greater than the amount due for my payment. In the meantime, I've made 2 or three payments that haven't been counted towards my "education" progress. It's all totally understandable I guess, but way too frustrating for me.
52 people found this review helpful
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Arro Finance
May 29, 2024
Hi! Goals unlock once payments are processed, tied with in-app lessons to help increase your credit limit. ACH processing takes the standard 3-4 business days. In addition, we've also launched a new debit card feature for same-day processing. Feel free to reach out to our member success team and a specialist will assist you with our new feature.
P Leggett
April 6, 2024
Ok. I would have had a 4 star rate. I rarely give 5 to anyone or app. No one is perfect. But it's 3 now because of recent updates changing everything! Some of this was finally fixed on my end. But I still lost at least a chance for a $25 increase in a week or so. Plus now I have to make at least 15 minimum payments now to advance to gold. I can't afford anything but minimum. This isnt way it was before. There is another option but it's worse! Otherwise 4 stars would be a given! Great 💡 but ...
38 people found this review helpful
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Matt C
September 7, 2025
First, I didn't get approved but I slowly tried to improve some of my score and now I got my Arro card, i got a $75 credit limit to start and got it up to $90, so lets take it from there. Listen, a $75 credit limit is better than nothing.
32 people found this review helpful
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Arro Finance
September 9, 2025
Hi, thank you very much for your feedback. Glad you're a part of Arro!

What’s new

Usability improvements and bug fixes