Who can apply for the Arro Card?

How to Apply for the Arro Card – The Arro Card is tailored for individuals often overlooked by traditional credit card issuers. If you’ve never had a credit card before, have limited or no credit history, or simply want a low-risk way to start building your score, Arro might be the card for you.

There’s no requirement for a credit score, and your application won’t impact it. To qualify, you must be a U.S. resident at least 18 years old, with an active checking account holding at least $150. You’ll need to verify your identity and link your bank account through the Plaid verification system, ensuring a positive balance and minimum monthly income of $1,000 through work or benefits.

Students are also welcome to apply. Because there’s no security deposit required and no upfront fees, it’s one of the most accessible cards available. Keep reading to learn how to apply for the Arro Card!

Required documentation

Applying for the Arro Card is straightforward, but like all federally regulated financial institutions, Arro complies with the USA PATRIOT Act, which means identity verification is mandatory. You’ll need to submit your full legal name, address, and date of birth.

You’ll also be asked to confirm your Social Security number and connect an active checking account using Plaid. This account must have a positive balance of at least $150 and show that you receive $1,000+ monthly through income or benefits. Depending on your situation, the app may request further documents such as a photo ID (driver’s license or state ID), recent bank statements, or employment verification.

While the application does not affect your credit score, Arro still evaluates financial responsibility through linked banking data. These safeguards protect you while also allowing the company to offer risk-based credit that grows with you.

A tip for you!

If you’re starting your credit journey with the Arro Card, take advantage of the built-in activities that help you level up. The more you engage with the app, the more you can increase your credit limit and reduce your interest rate.

Don’t overlook these features—they’re not just gimmicks but key components of how Arro helps you grow financially. Set calendar reminders to complete tasks, review your credit score regularly, and stay active within the app. Your usage patterns directly impact how quickly you earn more credit, so consistency matters. It’s also smart to pay your balance in full every month, not just the minimum, to avoid fees and keep your utilization low.

Remember: every positive action is reported to all three credit bureaus, and even small, consistent payments can significantly boost your score. Think of the Arro Card not just as a tool but as a partner in your credit journey. Used wisely, it can open the door to more affordable credit products down the line.