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.
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. As far as the app goes, the UI is simple, refreshing, easy to use, and aesthetically pleasing. I almost never encounter bugs to the point that when an update comes out for bug fixes I’m left wondering what the issues were lol. Overall, this 5-star review is for both the app AND ArroFi as a company. 🙏🏻🤍
Developer Response
Thank you so much for taking the time to share your experience with us! We're thrilled to hear that our instant approval without a hard credit check and deposit has been a game changer for you in rebuilding your credit. Our goal is to provide accessible options for responsible credit building, and we're delighted to hear that we've met your needs. We're also glad to hear that you appreciate our focus on learning about responsible credit usage to increase your limit. We're here to support you every step of the way on your credit building journey. If you ever have any questions or feedback, please don't hesitate to reach out.
It is like dealing with habitual liars
elo6109
1. Yes they perform a hard inquiry 2. Yes they take, keep and use personal information 3. The app works as if it were developed by a high school technology class 4. The bank backing the company is at best barely a bank. The bank has a less than good rating 5. They absolutely do not report any good things about your payments 6. They will double down on negative impacts to your credit People please research this company before trying them. I will gladly publicly apologize and take this review down, as I am writing this review—I have received emails about the new inquiry on my credit. Guess who from!!! Finally, the Support team will lie and blame you or anyone but themselves for anything negative. Like my good ol’ Pappy used to say if it too good to be true—it is not true. It is sad because I was in awe that someone would try to help the downtrodden and pick them up when they are down but these cats only want you to stay down very sad day for America!!!A hard inquiry was performed! I sent the documents and was told again I was wrong so it is out of my hands. I am completely done dealing with you guys. You hurt my credit and then lied about the issue. Mistakes happen but when you try to hide it you lose my respect. I will not reach out and if you want to talk to me you have my information.
Developer Response
Hi there, we're sorry to hear you weren't able to get approved. We do not conduct a hard inquiry upon approval or application so there is no inquiry on your credit report. We respect and protect the privacy of our users' personal information, and we use it solely for the purpose of providing our services. We are committed to maintaining the highest standards of data security and compliance with relevant regulations. We are doing everything we can to support each individual to join Arro. We understand it is upsetting not to be approved but please do not make up or spread inaccurate information - you did not send any documents, we do not run a hard inquiry and there has been no impact on your credit.
Less attractive
Jaxx4554
I don’t like that you changed your rules on me in the middle of the game! Cause I was doing so well, you decided to put a cap on that. I’ve never even came close to my limit and have not missed any payments at all…you have decided to limit me, I decided to limit when and why I use your card. It’s now my emergency card and not my everyday card. Since you limited me you see I have not been using your card…looks like you have to wait for an emergency. Whether you know it or not, that’s not gonna make you money off my card.Don’t get it. We were working together and everything was just fine until you limited me without a reason… I used the card regularly now not so much. CANT ALLOW YOU TO GROW OFF ME, since you cut me off cause I was doing well but following and adjusting payments to achieve different goals. Working with you and your challenges. I believe I have never missed or I believe I have not missed any payments. Since I had the card I’ve been working on GROW and making goals and achievements. For some reason you’re just screwing with my trust and responsibility. Need to check my credit report so you can see that I have cards with much higher limits. If I was gonna have problems it sure wouldn’t be with your card. Loved it until you pulled the rug out from me.
Developer Response
Thank you for taking the time to share your experience. We truly appreciate your loyalty and the effort you’ve put into using the card responsibly. We understand how frustrating it can be when changes occur that impact your experience, especially when you’ve maintained good payment habits. Please know that credit line adjustments can happen for a variety of reasons, including broader policy updates, account activity, or changes in credit profile data — none of which are ever a reflection of your personal commitment or financial responsibility. That said, we never take these decisions lightly and always aim to communicate changes clearly and respectfully. Feel free to reach out to our support team at support@arrofinance.com and we'll be more than happy to assist you regarding your rewards.
Arro is great for EVERYBODY
KittinFan
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!
Usability improvements and bug fixes.
Version 1.17.0
The developer, ArroFi Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
Identifiers
Usage Data
Diagnostics
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Location
User Content
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
