Arro Card requirements

Arro has no minimum credit score. To qualify you need to be an adult in the U.S. with a checking account that Arro can link through Plaid, a positive balance, and regular income deposits. Reviewers put the bar at about $1,000 a month in deposits and a balance above $50.

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

Clipboard checklist with a smiling coin
On this page
  1. What you need to qualify
  2. What counts as income
  3. What Arro looks at instead of your score
  4. Documents and details to have ready
  5. If you do not meet the requirements
  6. Self-check before you apply

What you need to qualify

Arro does not publish a full requirements list on its marketing pages. The list below combines what Arro states with what independent reviewers found on the application itself.

RequirementDetailSource
Age18 or olderAskMrCreditCard, U.S. News
IdentityValid SSN or ITIN, U.S. addressAskMrCreditCard; Arro states SSN or ITIN for its Credit Builder
Bank accountActive checking account that connects through PlaidArro, Nav
BalancePositive, generally above $50Nav, U.S. News
IncomeRegular deposits, about $1,000 a month or moreAskMrCreditCard, affiliate listings
PhoneA smartphone, because the account lives in the appU.S. News
Credit scoreNo minimum; soft inquiry onlyArro, NerdWallet

What counts as income

Arro looks at money arriving in the linked account. Pay cheques are the obvious case. Affiliate listings for the card say government benefits, student loan deposits and cash deposits from tipped work can count too, as long as inflows pass the monthly floor.

Link the account where your income actually lands. People who connect a secondary account with little activity are a common source of denials.

What Arro looks at instead of your score

  • Deposits. Size and regularity over the past few months.
  • Balance. Whether the account stays above zero.
  • Cash flow. Frequent overdrafts and returned payments count against you.
  • Account age and activity. A brand-new or dormant account gives Arro little to read.

Because of this, a person with a 540 score and steady deposits can be approved while a person with a 620 score and an erratic account is declined. One WalletHub reviewer reported being denied with a 605 score and $700 in the bank, then approved for a mainstream card days later.

Documents and details to have ready

  1. Legal name, date of birth, address, email and mobile number.
  2. SSN or ITIN.
  3. Online banking login for your main checking account, for the Plaid link.
  4. Your monthly income figure.

If you do not meet the requirements

You have three realistic routes. Open a secured card that takes a deposit instead of an income check, such as the ones in cards like Arro. Start with the Arro Credit Builder, which Arro presents as a path to the card. Or, if the real need is cash and not a credit line, look at what to do after an Arro denial.

Self-check before you apply

Answer these honestly. Three or more "no" answers mean a denial is likely today.

QuestionWhy it matters
Has the account you will link received deposits in each of the last three months?Arro looks for regular income
Do deposits total about $1,000 a month or more?Reported income floor
Has the balance stayed above zero for the past month?Overdrafts count against you
Is the balance above $50 right now?Reported minimum on the day you apply
Is the account at least a few months old?New accounts give Arro little to read
Does your bank work with Plaid?Required to link

Applying costs nothing and uses a soft inquiry, so there is no penalty for trying. The checklist just saves you a wasted attempt.

Questions people ask

What credit score do you need for the Arro Card?

None. Arro does not set a minimum credit score and only runs a soft inquiry. It decides from your bank account activity.

Can I get the Arro Card with an ITIN?

Reviewers report that the application accepts a valid SSN or ITIN, and Arro states the same for its Credit Builder product. Confirm in the app before you apply.

Do I need a job to get the Arro Card?

You need regular deposits, not necessarily a pay cheque. Listings for the card say benefits and other steady inflows can qualify if they reach the monthly floor.

Does Arro require a deposit?

No. The Arro Card is unsecured, so there is no security deposit.

Sources

Keep reading

Request $200 to $5,000