Our verdict: The Arro Card is an unsecured card for thin or damaged credit that skips the hard credit check and underwrites from a linked bank account, for a membership fee of up to $60 a year. The catch is the reporting: Arro’s own site names only Experian and Equifax, so your on-time payments may never reach TransUnion. Skip it if a lender you care about pulls TransUnion, or if you can fund a refundable deposit instead of a nonrefundable fee.
| Annual fee | “Up To $60” membership fee; first-year discount details are not published by the issuer (Arro’s support site was unreachable at verification) |
|---|---|
| Monthly fees | None disclosed |
| Purchase APR | “Starting APR 24.99%”; whether the rate is variable or fixed is not published on Arro’s public pages |
| Rewards | 1% cash back on gas and groceries, including Walmart and Target |
| Credit check | No hard credit check; underwriting uses a bank account you link during application |
| Reports to | Experian and Equifax; TransUnion is not named on Arro’s site |
| Starting limit | Starts “up to $300” (a ceiling, not a floor), can grow up to $2,500 |
| Issuer | Community Federal Savings Bank, Member FDIC |
Terms verified August 26, 2026 against Arro’s own homepage and Arro Card page.
What the card costs
Arro discloses a membership fee of “Up To $60” per year and no monthly fee. The “up to” is doing real work: the fee you are actually charged is set in your offer, and any first-year discount mechanics could not be verified against a primary source, because Arro’s support site blocked access when we checked. The purchase rate is advertised as “Starting APR 24.99%.” Whether that rate is fixed or variable, and whether it can step down over time, is not published on Arro’s public pages. The card pays 1% cash back on gas and groceries, including purchases at Walmart and Target.
Two bureaus, not three
Arro’s site names Experian and Equifax as the bureaus it reports to. TransUnion does not appear anywhere on Arro’s own pages. Several third-party reviews claim all three bureaus; that claim contradicts the primary source, and we go with the primary source. The practical effect: a lender, landlord, or card issuer that pulls only your TransUnion file may see none of the history you build with this card. If your next planned application depends on TransUnion, this is the wrong tool.
Small limits that grow on a schedule Arro controls
Arro says limits “start up to $300” and can “grow up to $2,500.” Read the first phrase carefully: $300 is the ceiling for a starting limit, not the floor, and starting limits can be much smaller. A testimonial on Arro’s own site mentions a $70 starting limit. Growth is tied to on-time payments and to completing financial-education activities inside the app. One more distinction worth keeping straight: Arro’s footer also references a separate credit-builder product issued through Cross River Bank. This review covers only the Arro Card.
Who should get it, and who shouldn’t
- Get it if a hard inquiry is a dealbreaker, you can’t fund a deposit, and Experian/Equifax reporting covers the lenders you plan to apply with
- Skip it if you can put together a deposit: the Capital One Platinum Secured review covers a $0-annual-fee card reporting to all three bureaus, and the OpenSky Plus review covers a no-credit-check option; the fee-vs-deposit math is in secured vs. unsecured
- Skip it if a $70–$300 starting limit is too small to be useful, since utilization on a tiny limit spikes fast
Check the current offer at Arro
Arro’s CFPB complaint record
We searched the CFPB Consumer Complaint Database on August 26, 2026 for Arro’s operating company, Upland Financial Technology Company, and for the issuing bank, Community Federal Savings Bank, and located no company-level complaint records for the Arro Card. That is an absence of findable data, not proof of zero complaints: complaints may be filed under other names, and small or young programs often have no distinct entry in the database.
Frequently asked questions
Does the Arro Card report to all three credit bureaus?
Not according to Arro itself. Arro’s own website names Experian and Equifax only, and TransUnion does not appear on its pages. Third-party claims of three-bureau reporting contradict the primary source, so we treat them as unverified.
Is there a credit check for the Arro Card?
Arro states there is no hard credit check. Approval is based on alternative underwriting through a bank account you link during the application, so applying does not add a hard inquiry to your credit report.
What credit limit does the Arro Card start with?
Arro says limits start up to $300 and can grow up to $2,500. The $300 is a ceiling, not a floor; starting limits can be much smaller, and a testimonial on Arro’s site mentions $70. Growth is tied to on-time payments and completing financial-education activities in the app.