What you need to know about this credit card:
- Designed for individuals looking to build or rebuild credit.
- No hard credit check required during the application process.
- Initial limit of $50 to $200, with growth potential up to $2,500.
- 1% cashback on gas and grocery purchases.
Pros
- No credit check: your credit score is not affected when applying.
- Growing credit limit: increase your limit by completing lessons in the app.
- Guaranteed cashback: 1% on gas and grocery stores including Walmart and Target.
- Educational app: learn personal finance with AI coach Artie.
- Reports to all three major credit bureaus: helps establish your credit history.
Cons
- Monthly fee required: $1 in the first year, then $3/month after.
- Low initial limit: starts between $50 and $200, which may feel restrictive.
Why Choose Arro for Your Credit Card?
Applying for a credit card from Arro Finance offers distinct advantages when compared to cards from banks such as Capital One, Chase, Bank of America, Wells Fargo, and Discover.
This card from Arro charges no annual fee and offers cashback from day one, unlike many cards from Bank of America.
Another major benefit is that Arro doesn’t require a minimum credit score to apply, while banks like Chase and Capital One use traditional credit scoring systems.
Additionally, the gamified credit education system with limit increases through learning is far more engaging than the upgrade systems used by Wells Fargo.
Compared to the Discover It Student, Arro stands out by not requiring school enrollment and by offering an AI-powered financial coach—Artie for personalized guidance.
Card name: Let’s get to know it a little better
How to apply for your Arro Card
Applying is easy and free. Download the Arro app, connect your bank account and income details, and get a decision in minutes—with no hard credit check.