Arro Card not arrived or will not activate

A new Arro physical card is reported to arrive in about 7 business days. While you wait, approved members can use the virtual card in the app and add it to Apple Pay or Google Pay. If the card is more than two weeks late, confirm your mailing address and ask Arro support for a replacement in writing.

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

Mailbox holding an envelope
On this page
  1. Use the virtual card first
  2. If the physical card has not arrived
  3. If the card will not activate
  4. Lost or stolen card
  5. Needed the card for an urgent expense?
  6. Copy-ready message for a missing card
  7. Timeline

Use the virtual card first

Arro states that all members have access to a virtual card in the app, which can be added to a mobile wallet. That covers online shopping and tap-to-pay in stores. It does not help where a physical card must be swiped or inserted, such as some gas pumps and hotel check-ins.

If the physical card has not arrived

  1. Count business days. Allow at least seven, and a few more around holidays.
  2. Check the address in the app. A missing apartment number is the usual culprit.
  3. Check with your mail carrier for held or forwarded mail.
  4. Email [email protected]. Ask them to confirm the mailing date and address, and request a replacement.
  5. Ask whether the old card number will be cancelled. If a card is lost in the mail, a new number is safer.
  6. Follow up after ten business days if the replacement has not come.

If the card will not activate

Reviewers describe an activation flow that asks whether you have received the card. One Trustpilot reviewer said they requested a card three times, were told the card printer was running behind, and could not finish activation without the plastic in hand.

If you are stuck in that loop:

  • Update the app and try activation again.
  • Try the virtual card in a mobile wallet, which may work even when the plastic is not active.
  • Email support with screenshots of the activation screen and any error.
  • Ask Arro to confirm in writing whether your account is active and whether the membership fee has been charged.

Lost or stolen card

Lock or freeze the card in the app if the option is shown, then email Arro at once. Review recent transactions and dispute anything you do not recognize in writing.

Needed the card for an urgent expense?

A card that is still in the mail cannot pay today's bill, and a starter limit may not cover it anyway. See options when the Arro limit is too small.

Copy-ready message for a missing card

Card not received

Subject: Physical Arro Card not received

Hello,

I was approved for the Arro Card on [date] and have not received the physical card. It has been [number] business days.

Name on account: [full name]

Phone on account: [number]

Mailing address: [address, including apartment number]

Please confirm the date the card was mailed and the address it was sent to, cancel that card if it may be lost, and send a replacement. Please also tell me how to activate my account while I wait.

Thank you,

[Name]

Timeline

DayAction
Approval dayAdd the virtual card to your phone wallet
Business day 7Card should arrive around now
Business day 10Check your address in the app and email support
Business day 20Send a second message marked as a complaint and ask about the membership fee

Questions people ask

How long does the Arro Card take to arrive?

Reviewers report about 7 business days for the physical card. The virtual card is available in the app after approval.

Can I use Arro before the physical card arrives?

Yes. Arro says members can use the virtual card in the app and add it to a mobile wallet.

How do I request a replacement Arro Card?

Use the option in the app if it is offered, or email [email protected] and ask for a replacement.

Sources

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