Arro Card cash back rewards

What earns rewards

• Gas: eligible purchases at fuel stations.
• Groceries: eligible grocery purchases, with Arro naming Walmart and Target as included.
• Everything else: no rewards.

How rewards are paid

Rewards post as an automatic statement credit against your monthly balance. There is no minimum to redeem and nothing to claim. Nav reports that you can lose rewards if the account is past due, so a late payment costs you twice.

Arro publishes a separate Rewards Program terms document, linked from the footer of its site, which controls the details.

What 1% is worth on an Arro-sized limit

To earn back the full $60 membership you would need about $500 a month in gas and groceries on the card. On a $300 limit that means paying the card off more than once a month, since high utilization hurts your score.

How that compares

Rewards are rare on cards for thin credit, so any cash back is a plus. Even so, NerdWallet calls Arro's rates paltry by starter-card standards, pointing to secured cards such as Discover it Secured that pay more and charge no annual fee. The difference is that those cards need a deposit and a hard pull.

Is it worth chasing?

No. Spend what you would spend anyway, pay in full, and let the credit post. The value of this card is the payment history it reports, which we weigh up in the Arro Card assessment.