Build credit fast with Arro, the credit builder app that helps you grow your credit score while earning cash back. Start with up to $300 credit limit and build credit history with no deposit required. Whether you're new to credit or rebuilding your score, Arro makes it easy to build credit, track your progress, and grow your credit limit up to $2,500.

Why Choose Arro to Build Credit?
Arro gives you instant access to a real Mastercard that builds credit while rewarding your everyday spending with 1% cash back on gas and groceries. Most credit builder programs require security deposits or lengthy waiting periods. With Arro, you can start building credit immediately and grow your credit score fast.

No Deposit Required – Get up to $300 credit limit instantly, then grow your credit line up to $2,500 in the Arro app.

Proven Results – Our credit builder program has helped thousands of members improve their credit scores by an average of 40 points within 2 months. Members who follow Arro recommendations often see 100+ point increases, with some reaching 715+ credit scores from having no credit history.

Instant Access – Use your virtual Arro Card immediately while building credit. Add to Apple Pay and start earning rewards today.

Build Credit While Earning Cash Back

Arro rewards you for building credit. Earn 1% cash back on gas and groceries anywhere, including at major retailers like Walmart and Target. Every purchase helps build your credit score while putting money back in your pocket.
1% cash back on gas and groceries
Cash back rewards at Walmart, Target, and thousands of retailers
Build credit history with every purchase

AI Financial Coach – Meet Artie, your AI financial coach. Artie is the first AI financial chatbot designed specifically for credit building. Artie actively helps you build credit faster through personalized credit score guidance and real-time advice. Artie acts as your personal credit card concierge and financial coach, nudging you to take actions that build your credit.

Personalized Financial Education – Artie tailors your financial education journey, adapting to your knowledge level and financial goals to help you build credit more effectively.

Real-Time Financial Guidance – Get immediate, accurate answers to credit and financial questions. Artie makes financial literacy accessible whether you're just starting to build cr