Cards like Arro: 9 alternatives

Quick comparison

Figures come from the sources listed at the bottom and were checked on November 9, 2026. Issuers change terms often.

Pick by situation

You can set aside $200

Go secured. OpenSky needs no credit check and no bank account. Chime Card costs nothing and charges no interest, but you need to bank with Chime. Your deposit comes back when you close in good standing, so the real cost is lower than Arro's.

You have no spare cash at all

Arro is the strongest fit if your bank account shows steady deposits. Kikoff at $5 a month is the fallback if Arro declines you, though you cannot spend with it outside Kikoff's store.

You only want reporting, not a card to spend on

Kikoff or Grow Credit. Both report to all three bureaus with 0% APR. The Arro Credit Builder does a similar job for $12 a month but reports to two bureaus.

You want a bigger limit from day one

Mission Lane lets you check for an offer with a soft pull, with limits up to $3,000 on some offers. Surge and Reflex start at $300 to $1,000 but cost $75 to $125 a year and charge 35.90% APR.

You were denied or waitlisted by Arro

Start with Chime, OpenSky or Kikoff, none of which run a credit check. Then read why Arro denies applications.

How we compared them

We looked at what a person with thin credit pays in the first year, whether a deposit or hard pull is required, which bureaus receive the data, and whether the product works as an everyday card. We did not accept payment for placement. Our process is on the editorial standards page.

What none of these do

Every product here is a credit line for building history. None deposits money into your bank account. If an urgent expense is the reason you are searching, see options when the Arro limit is too small.