Arro Card fees and APR

The Arro Card costs up to $60 a year in membership, with a reduced first year on small credit lines, and charges interest starting at 24.99% APR on balances you carry. There is no deposit, no foreign transaction fee, and no cash advance fee because cash advances are not offered.

Checked November 9, 2026 against Arro's own pages and the independent sources listed below. Written by the ArroCardApply Editorial Team.

Price tag character beside a receipt
On this page
  1. Every Arro Card cost
  2. Why other websites show different numbers
  3. What the fee means on a small limit
  4. How to avoid interest
  5. How Arro's costs compare

Every Arro Card cost

CostAmountNotes
Membership feeup to $60 a yearCharged yearly
First year, $50 line$12Then $60
First year, $100 line$24Then $60
First year, $200 line$50Then $60
Purchase APRStarting at 24.99%Arro's site says "starting APR"
Late paymentup to $40Per Nav, March 2026
Returned paymentup to $40Per Nav, March 2026
Foreign transactionsNonePer NerdWallet and Nav
Cash advanceNot available
Balance transferNot available
Security depositNone

Arro does not post its full cardholder agreement on its public site, a point Firstcard also raises. Your approval screen and account documents are the final word on what you pay.

Why other websites show different numbers

Search for Arro's costs and you will find answers that contradict each other. Here is what is going on.

Claim you may seeWhere it comes fromStatus
APR of 16%Launch-era reviews from 2022 and 2023Out of date
APR of 24.99% fixedCredit.com listingMatches Arro's current "starting at" figure
APR of 24.99% variableNerdWallet, April 2026Same rate, described as variable
$36 annual feeOlder aggregator dataOut of date
Income minimum of $1,800Older comparison pagesNewer sources say $1,000
"It is a Visa"At least one finance blogWrong. Arro is a Mastercard

We re-checked the figures on this page on November 9, 2026.

What the fee means on a small limit

A $60 fee on a $300 line is 20% of your available credit in the first year it applies in full. That is why Arro discounts year one for lines under $300. It is also why the card works best as a 12 to 24 month tool: build history, qualify for a no-fee card, then decide whether the account age is worth another $60.

How to avoid interest

Pay the full statement balance by the due date and the 24.99% APR never applies. Carrying $200 for a year at 24.99% costs roughly $50 in interest, about the same as the membership itself.

How Arro's costs compare

CardYearly cost before interestDeposit
Arro CardUp to $60None
OpenSky Secured Visa$35$200 or more
Chime Card$0Your own money, no minimum
Surge or Reflex Mastercard$75 to $125None

More detail in cards like Arro.

Questions people ask

Does the Arro Card have an annual fee?

Yes. Arro charges a membership of up to $60 a year. Members who start on lines under $300 pay less in the first year.

What is the Arro Card interest rate?

Arro lists a starting APR of 24.99%. Older reviews that quote 16% are out of date.

Does Arro charge a monthly fee?

The card is billed as a yearly membership. The separate Arro Credit Builder product costs $12 a month.

Is there a foreign transaction fee?

No. NerdWallet and Nav both report no foreign transaction fee on the Arro Card.

Sources

Keep reading

Request $200 to $5,000