Editorial standards

We check every figure against a named source, show the date we checked it, and say plainly when sources disagree. Our rating of the Arro Card is the plain average of five scores, each explained below. Revenue from our loan request form does not influence what we write about Arro or its competitors.

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

Document with a star and a pencil
On this page
  1. Sourcing
  2. When sources conflict
  3. How we score
  4. Independence
  5. Updates and corrections
  6. Use of names and trademarks

Sourcing

  • Primary sources first. Arro's website, product pages and published terms.
  • Independent reviewers second. Publications that tested or examined the application, such as NerdWallet, Nav, U.S. News and AskMrCreditCard.
  • User reviews for patterns only. We read Trustpilot, WalletHub and app store reviews to find problems that recur. We cannot verify individual reviews and say so where we cite them.
  • One fact, one place. Every number on the site is stored once and reused, so a correction updates every page.

When sources conflict

Arro's terms have changed since launch, and some websites still show old figures. When we find a conflict we show both figures, say which is current as far as we can tell, and name the sources. The fees and APR page is the main example.

How we score

We score five areas from 1 to 5 in half-point steps and take the unweighted average.

3.5out of 5
  • Access4.5

    No hard pull, no deposit, and approval leans on bank activity instead of a credit score.

  • Cost3.5

    A membership of up to $60 a year is cheaper than fee-heavy subprime cards but not free like several secured cards.

  • Credit building4.0

    Reports to all three bureaus and the line can grow to $2,500 without a deposit.

  • Service and reliability2.5

    Email-only support and repeated complaints about payments, card delivery and reporting errors.

  • Flexibility3.0

    Small starting line, no cash advances or balance transfers, app-only account management.

AreaWhat we look at
AccessCredit check type, deposit, approval criteria
CostYearly fees and interest compared with similar products
Credit buildingBureaus reported to, limit growth
Service and reliabilitySupport channels and recurring user complaints
FlexibilityLimit size, features, account management

Scores are our opinion, based on the sources listed on each page. They are not a prediction of your approval or your results.

Independence

  • Arro does not pay us and has not reviewed our pages.
  • No issuer pays for placement in comparisons.
  • Our loan request form is always labelled as our own service, separate from Arro.
  • We tell readers about cheaper options, including not borrowing, on the pages where we mention loans.

Updates and corrections

Each page shows the date it was last checked. We re-check key figures regularly and whenever Arro changes its public terms. Report an error to [email protected].

Use of names and trademarks

Arro and other product names belong to their owners. We use them only to identify the products we discuss. We do not use their logos or designs.

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