Arro Card Cost Calculator: Fee, Interest and Cash Back

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How the numbers are worked out

Item	Rule used
Membership, year one	$12 on a $50 line, $24 on $100, $50 on $200, $60 on $300
Membership, later years	$60
Interest	Carried balance × 24.99% for one year
Cash back	1% of gas and grocery spending × 12 months
Utilization	Carried balance ÷ credit limit

First-year fees are the figures NerdWallet published in April 2026.

Situation	Membership	Interest	Cash back	Net, year one
$100 line, paid in full, $80 a month on gas	$24.00	$0.00	$9.60	$14.40
$200 line, $60 carried, $150 a month on groceries	$50.00	$14.99	$18.00	$46.99
$300 line, $250 carried, $100 a month on gas	$60.00	$62.48	$12.00	$110.48

The third row shows the trap. Carrying most of a small limit costs more in interest than the membership, and it reports utilization above 80%.

Under about $50 a year: cheaper than nearly every unsecured card for thin credit. Compare Arro vs Surge.
$50 to $100: similar to a secured card's fee plus the cost of locking up a deposit. Compare Arro vs OpenSky.
Over $100: you are carrying a balance. Pay it down, or look at a card with 0% APR such as Chime.

More detail on each cost is on the fees and APR page, and on limits in credit limit increases.

How much does the Arro Card cost per year?

Up to $60 in membership, less in the first year on starting limits under $300, plus interest at 24.99% APR on any balance you carry.

How much interest does Arro charge on $100?

Carrying $100 for a full year at 24.99% APR costs about $25.

Does cash back cover the Arro membership?

Only with about $500 a month in gas and grocery spending, which is hard to do on a starter limit without paying the card off several times a month.