Arro Card
Written by Kenji NiwaEdited by Kenji NiwaOn ArroFi Inc.'s site
18,436 Firstcard clicks in the last 12 months
The Arro Card is an unsecured Mastercard issued by Community Federal Savings Bank. You can start with up to $300 and grow your line to $2,500 as you use the Arro app. Arro says there is no hard credit check and no deposit.
On ArroFi Inc.'s site
Up to $300 to start
Credit limit
Up to $60 membership
Annual fee
Starting at 24.99%
APR
The details
- Annual fee
- Up to $60 membership
- APR
- Starting at 24.99%
- Credit limit
- Up to $300 to start, grow to $2,500
- Security deposit
- None
- Credit check
- Yes
- Bureaus reported
- Equifax, Experian and TransUnion (all 3)
- Rewards
- 1% cash back on gas and groceries
- Issuer bank
- Community Federal Savings Bank
Facts come from the issuer's own terms, checked October 13, 2026. Confirm them on the issuer's site before you apply.
Pros & cons
Pros
- No hard credit check and no deposit to apply.
- Earn 1% cash back on gas and groceries.
- Finish lessons in the app to unlock higher limits over time.
Cons
- Membership costs up to $60 a year, even if you never carry a balance.
- Starting limits top out at $300, so reaching $2,500 can take months.
- APR starts at 24.99%, and Arro does not post its full card terms on its site.
Compare Arro Card to other no-deposit cards
- Credit limit
- Up to $300 to start
- Yearly fee
- Up to $60 membership
- APR
- Starting at 24.99%
- Credit limit
- —
- Yearly fee
- $0
- APR
- 29.24% variable
- Credit limit
- $300 to $3,000
- Yearly fee
- $0 to $125
- APR
- 29.99% to 35.99% fixed
- Credit limit
- Up to $3,000 to start
- Yearly fee
- $0 to $59
- APR
- 19.99%–33.99%
Similar cards are picked automatically: same list, ranked by Firstcard editors' rating, whether or not Firstcard has a deal with them. Clicks are Firstcard members sent to each card in the last 12 months, with suspected bot traffic excluded.
A warning from Firstcard
- Pay in full every month. Interest only starts when you carry a balance. Pay the statement in full and the APR never touches you.
- Keep the balance low. Credit use is a big part of your score. Try to stay under 30% of your limit, and lower is better.
- Turn on autopay. One missed payment can mean a late fee and a mark on your report. Autopay for at least the minimum removes that risk.
How credit use affects your score: myFICO on amounts owed.
How Firstcard works
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How we rate. Our editors' rating for a credit card weighs three things. Can you get approved with no deposit and no credit history? What does the card really cost to hold? And does it report to the credit bureaus? Ratings run 1 to 5 in tenths and compare products only within their own category, so a 4.5-star cash advance app is not “better” than a 4.0-star credit builder: they do different jobs. Treat the rating as one input, not the decision. See how we rate financial products.
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Terms change, so check before you apply. These terms come from the providers, not from us, so we cannot guarantee they are current or complete, and anything a member reports describes their own account rather than the offer you will be given. Always confirm the fees and terms on the provider's own site before you apply. If you spot something wrong here, email support@firstcard.app and we will fix it.
