The Arro Card is ideal for those looking to build or rebuild their credit history in an accessible and educational way. With easy approval, no credit history required, and interactive tools, this card provides an innovative approach to personal financial development.
Additionally, it offers secure transactions, fraud protection, and international acceptance—making it a practical option for those who value financial control and continuous learning.
If you’re looking for a credit card that offers real support in building credit, keep reading to discover all the details of the Arro Card.
Meet the Issuer
The Arro Card is issued by Community Federal Savings Bank, member of the FDIC, and is designed to help individuals with little or no credit history gain safe, educational access to traditional credit.
Through an intuitive mobile app, users can learn about personal finance, track progress, and increase their credit limit as they demonstrate responsible behavior.
Main Benefits of the Card
Easy Approval: No credit history or hard credit check required, making access easier for more users.
Initial Credit Limit: Start with a limit between $50 and $200, with potential to increase to $2,500 through responsible use and participation in app activities.
Competitive Interest Rate: Initial APR of 16.00%, with potential reductions as users show positive financial behavior.
Affordable Annual Fee: $72 annually, discounted to $36 for the first year.
Reports to Credit Bureaus: On-time payments are reported to all three major credit bureaus, helping improve your credit score.
Educational App: Interactive lessons, challenges, and a virtual financial coach named Artie provide personalized tips.
Instant Access: Virtual card available immediately after approval; physical card arrives within 7 days.
No Security Deposit: Unlike many credit-builder cards, no deposit is required.
Community Federal Savings Arro: Fees and Commissions
The Arro Card has a $72 annual fee, discounted to $36 for the first year, making it accessible for those beginning their credit journey.
The APR is 16.00%, which is competitive compared to other credit-building cards. The rate may be reduced through app engagement and good financial habits. There are no foreign transaction fees.
Card Limit
The starting credit limit ranges from $50 to $200, depending on the applicant’s profile. With responsible use and app activity, users can increase their limit up to $2,500.
The app uses a level-based system, allowing users to earn points and unlock benefits by completing lessons and demonstrating responsibility.
Positive points
- Easier Credit Access:No credit history or hard pull required.
- Credit Limit Growth:Increase your credit line up to $2,500 with good behavior.
- Credit Reporting:On-time payments reported to all major credit bureaus.
Negative points
- Low Initial Limit:Starts at $50-$200, which may be too low for some users.
- Annual Fee:$72, reduced to $36 for the first year.
- Bank Account Requirement:Must link a bank account with a $150 balance for verification.
How to Apply for Community Federal Savings Arro Credit Card
- Visit the official Arro Finance website
- Click on “Apply Now”
- Complete the form with your personal and financial information
- Link your bank account for balance verification
- Review and submit your application
- Wait for approval
- Start using your virtual card immediately; physical card ships within 7 days
How to Contact Community Federal Savings Arro
- Live Chat: Available inside the Arro app
- Email: Via secure online banking platform
- FAQ: On the official Arro website
The Arro Card is an innovative solution for building credit while gaining financial education. If you’re looking for more than just a card, this may be the perfect option. Apply now and start transforming your financial future.