How It Works
Here's How Arro Works, From Start To Finish
Build credit without the barriers. No deposit. No hard inquiry. No guesswork - just the Arro Card, Arro Credit Builder, Arro Insights, and Artie, your AI Money Coach.
Your Journey in 4 steps
Arro Is Working For You, Even Between Payments
Real-time spending insights, cash flow alerts from Artie, and results that speak for themselves.
Analysis
Trend Analysis
Track where your finances are headed, not just a month-end snapshot. Arro Insights shows you the full picture over time.
Stay Ahead Of Your Spending
Artie spots spending patterns and flags issues before they become problems, so you stay in control.
Pay $50 by Tuesday to raise your credit score by 10 points.
Pay Now
Verified Growth
Good habits have a way of showing up. And with Arro reporting your payments to the credit bureaus, yours always will.
The Arro Advantage
See how Arro compares to the cards most people in your situation would be offered instead.
Feature
Standard
credit card
Secured
credit card
GETTING IN
Approval basis
Credit score
Cash deposit
Income & cash
flow & credit
factors
Identity
verification
Deposit required
No
Yes
No
No
Monthly fee
Varies
Varies
Up to $5/month*
*Paid annualy
$12/month
BUILDING CREDIT
Credit limit
Issuer-
controlled
Equal to the
deposit
From $50 up
to $2,500
$2,000 Tradeline
Long-term
commitment
Varies
Pay in full to
recover your
deposit
None
None
WHAT YOU GET
AI Money Coach
None
None
Artie, 24/7
Artie, 24/7
Financial education
Varies
None
Built into the app
Built into the app
The Arro Card is issued by Community Federal Savings Bank, Member FDIC.
The Arro Credit Builder is issued via Cross River Bank, Member FDIC, in partnership with Upward Financial.
Arro Card
Arro Credit
Builder
Ready to start your climb?
Join a community of people building better credit - one payment at a time.
Get Started in 3 minutes
*Individual results may vary. Not a guarantee of credit score improvement. The Arro Card is issued by Community Federal Savings Bank, Member FDIC, pursuant to license by Mastercard International. The Arro Credit Builder is issued via Cross River Bank, Member FDIC, in partnership with Upward Financial.
© ArroFi Inc. All Rights Reserved
The Arro Card is issued by Community Federal Savings Bank,
member FDIC, pursuant to license by Mastercard International.
On-time payment history may positively impact your credit score. Late payment may negatively impact your credit score. We report payment history to Experian and Equifax. Credit impact may vary based on a number of factors, including your activity with other financial services organizations.
Upward is a financial technology company, not an FDIC-insured bank. Credit builder lines of credit provided by Cross River Bank, Member FDIC. Line of credit is not a deposit product.