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Last Updated: 07/28/2025

Arrow Visa Card

Q: Does Arrow Visa Card have a cash back or rewards program?

No, it does not offer a rewards program. Free Credit Score, Zero fraud liability, and Reports to major credit bureaus

from LendUp

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Mostly recommended8 total votes

5 users recommend

3 users don't recommend

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Highlights

Community Rating

Mostly recommended

Purchase APR (Variable APR)

21.49% - 31.99%(Verified 06/21/2024)

Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

300 - 850

Annual Fee

$75

Number of Reviews

Arrow Visa Card Review

If you're wondering whether Arrow Visa Card is the right card for you, read on.

Key Takeaways

APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 21.49% up to 31.99%.
Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of Arrow Visa Card

The Good

The Bad

Free access to your credit score.
Considers applicants with fair credit.
Arrow Visa Card reports to multiple credit bureaus.

Higher than average purchase APRs.
Charges an annual fee of $75
Does not offer a signup bonus.
Does not offer rewards or cash back.
Charges a foreign transaction fee of up to 3%.
You don't earn rewards on every purchase.

Arrow Visa Card FAQ

Does Arrow Visa Card have a cash back or rewards program?

No, it does not offer a rewards program.

Arrow Visa Card Rewards Breakdown

Description

Free Credit Score
Zero fraud liability
Reports to major credit bureaus

What are the relevant APRs for Arrow Visa Card?

This is a charge card and therefore doesn't have a regular APR or interest charges. You must pay your balance in full every month.

What are the fees for Arrow Visa Card?

Arrow Visa Card Fees

Description

Returned Payment Fee

$25

Foreign Currency Transaction Fee

Starting at 3%

Annual Fee

$75

Late Fee Amount

$25

Minimum Cash Advance Fee ($)

Starting at $10

Cash Advance Fee (%)

3% - 31.99%

This card charges an annual fee of $75.

There is a late fee of up to $25 .

Does Arrow Visa Card have a foreign transaction fee?

Arrow Visa Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Arrow Visa Card?

The customer service number for Arrow Visa Card is (855) 253-6387.

What is the support contact email for Arrow Visa Card?

The support contact email for Arrow Visa Card is help@lendup.com.

How do people rate the customer service and user experience of Arrow Visa Card?

Overall, Arrow Visa Card is mostly recommended based on community reviews that rate customer service and user experience.

Does Arrow Visa Card report your account activity to credit bureaus?

Yes, Arrow Visa Card reports to the following credit bureaus:

Equifax
Experian
TransUnion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does LendUp perform a hard credit pull?

Yes, Arrow Visa Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Arrow Visa Card

Visit the website of Arrow Visa Card.
Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

237 Kearny St #372

San Francisco, CA 94108

Visit Site

Email Support

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SuperMoney Net Recommendation Score

SuperMoney users mostly recommend this product, giving it a user recommendation score of +25, or 3.5 on a 5-point rating scale.

+25

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Arrow Visa Card Community Reviews

Would you recommend Arrow Visa Card to your friends?

Kate S.

Nov 17, 2020

May or may not recommend

They are upfront about everything. The more I tried to use the website, the easier it became to use. The customer service helped me a lot as the quick answers to any problem helped to smooth over any issues. If anything comes up, I will not hesitate to reuse the service

Anne G.

Aug 17, 2019

May or may not recommend

Web page is well organized, and easy to naviagate. Able to find all that I needed to know.

David B.

Jul 6, 2019

May or may not recommend

Arrow Visa started me with a $1000 credit line and surprise me with a $1000 increase in less than a year. No issues, no problems! Thank you LendUp. Appreciate it!

L. R.

Jun 20, 2019

May or may not recommend

Had a family member to passed away tragically on 04/2019 who has a LendUp Arrow card account. I sent a death certificate as well as a letter to notify them of his death. They are still charging his account Fees and Interest... He is dead, and had no joint account holder, no wife or children. Just STOP!

Kim K.

Jun 4, 2019

May or may not recommend

Interest rate too high and fees are crazy! Making it rough for consumer and making the issuer rich is not an insentive for me.

Anonymous

May 3, 2019

May or may not recommend

Although it's for those with a thin credit, no credit, or rebuilding credit, the interest of 30% makes it hard to swallow. In addition a $59.00 annual fee, topped with just a $300.00 starting credit line, doesn't make it worthy to consider. The annual fee eats up nearly 20% of the credit availability, which is an offer designed to make the bank money, and not really improve your credit.