Updated On:
September 8, 2025
• 3 Minute Read
The new card from Arro aims to level the financial playing field for all. Arro's mission is simple - democratize credit and level the playing field by providing financial opportunity and accessibility for all. Arro is designed to empower financial wellness through three game-changing features that set it apart from every other credit card.
Meet Artie: Your Personal AI Financial Coach
What makes Arro exceptional is Artie, a completely integrated AI financial chatbot that transforms how you manage your money. Artie isn't just another app feature – it's your personal financial coach that nudges you to make payments, complete financial lessons, and set financial goals, then supports and guides you every step of the way.
Artie's capabilities include:
Personalized financial education: Artie tailors your financial education journey, providing a customized learning experience that adapts to your individual needs, knowledge level, and financial goals
Real-time financial guidance: Get immediate, accurate answers to financial questions, making financial literacy accessible and understandable no matter your experience level
Credit card concierge service: Artie acts as your personal concierge, nudging you to take action like making payments or freezing your card, then completing the task for you
Earn While You Spend: 1% Cash Back on Essentials at Target and Walmart
Arro rewards you for the essentials you’re already buying with 1% cash back on gas, groceries, and purchases at Target and Walmart. This isn't just another rewards program; it's designed to put money back in your pocket on the purchases that matter most to your daily life.
Unlock Your Credit Potential: Lines That Grow With You
Arro believes in responsible credit: starting credit lines from $50-$300 can grow up to $2,500 through Arro's AI-powered behavior engine. It’s gamified credit building and growth that rewards positive financial behaviors.
Members unlock higher credit lines as they complete activities focused on financial literacy and demonstrate positive financial behaviors like making payments, reaching savings goals, budgeting, and more. Arro aims to improve financial literacy for their credit and app customers alike.
- Credit Recommended:
- All Credit Types Accepted
- Regular APR
- 24.99% Variable
- Credit Recommended
- All Credit Types Accepted
- Card Brand
- Mastercard®
- Late Payment Fee
- Up to $38
- Return Payment Fee
- $0
- Annual Fee
- $60* (*discounted in Year 1 for starting credit lines under $300)
Highlights
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
How Arro Levels the Playing Field:
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No credit history needed
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No security deposits required
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Real-time credit line increases based on your actions
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Free Vantage Score monitoring
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Access to comprehensive financial education tools
The Science Behind the Success
Arro worked with behavioral researchers to develop a science-based approach to help you achieve your money goals. They partnered with academic professors on both the curriculum and the science backing the content. The result? A financial journey that truly ups your game through:
- Money tips to become a better shopper
- Tools to handle your credit card debt
- Inside information on curbing impulse buys
- Professional advice on saving
- Long-term spending planning strategies
Why Arro Works: It's All About You
The Arro method changes the way your brain thinks about money through science-backed activities. With just 5 minutes a day in their app, you can build financial skills that will stick with you for life. Arro isn't just focused on short-term gains – their goal is to develop the best financial habits for their members for life.
Arro puts control in your hands with backend technology and science that powers their education and digital platforms. While credit building isn't one-size-fits-all, Arro stands out by tailoring your financial journey specifically to you.
Ready to transform your financial future? With Artie as your AI coach, 1% cash back on essentials, and credit lines that grow with your good habits, it's the perfect time to level up your financial game.
Editorial Disclaimer: Information in these articles is brought to you by CreditSoup. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles. The information is accurate to the best of our knowledge when posted; however, all credit card information is presented without warranty. Please check the issuer’s website for the most current information.