Arro Card

Credit Target	Type	Monthly Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards
Fair Credit, Poor Credit, Limited Credit	Personal	$3*	N/A*	N/A*	16% Variable	Cash Back

Arro Card Quick Summary:
This is a Mastercard cash back rewards card, issued by Community Federal Savings Bank. This card is intended for consumers, or "personal use" with a fair credit history. The purchase APR is 16% Variable.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is an annual fee of $3** for this card.

Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
A FICO credit score of 616 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Community Federal Savings Bank product.

Other Basics:
This card contains the brand of Mastercard, where acceptance is global. Most businesses that accept credit cards will accept Mastercard as a form of payment (subject to available credit).

Our Editor's Commentary:
The Arro Card offers a smart way to build credit, especially if you're just getting started or working your way back from past issues. Its educational app, flexible approval process, and steady path to higher limits make it a solid stepping stone.

However, small starting limits, a required fee, and inconsistent customer service mean it's best viewed as a short-term tool. Use it to lay a strong foundation-then graduate to a card with more robust features when you're ready.

What You'll Like
No hard credit check or security deposit - Approval is based on soft inquiries and factors like income and bank account history. No deposit required.
Reports to all three credit bureaus - Helps you establish or rebuild your credit footprint from scratch.
Credit-building "game" in the app - Complete short financial lessons or challenges to unlock perks like higher credit limits (up to $2,500) and lower APR.
1% cash back on gas and groceries - Earn automatic statement credits on common spending categories.
Relatively low APR - The interest rate is lower than many entry-level credit cards, making it easier to manage balances if needed.

What's Not Ideal
Membership fee - There's a yearly fee of $36 paid monthly, though first-year pricing may be reduced depending on your starting credit limit.
Low initial credit limits - Most users start with a very modest limit (typically $50 to $200), which can make it difficult to manage everyday expenses or maintain low credit utilization.
No upgrade path - Unlike some starter cards, there's no built-in option to move up to a premium product.
Mixed user feedback - Some users report slow payment processing, delayed credit limit increases, and difficulty reaching customer service.

Approval Rate:
Currently, we have no applicant results in our system.

There have been no approved applications that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 616, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
There are no reviews. If you have experience, you can write one now.

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