Help Students Build
Credit With Confidence
Preparing for college is only part of preparing for adulthood. Through our partnership with Arro, SAGE Scholars families have access to a guided way for students who are new to credit to learn how it works, build responsible financial habits, and begin establishing credit history.
Building Skills for What’s Next
As students move toward college, work, and greater independence, they begin making more financial decisions on their own. Understanding credit, managing spending, and developing responsible payment habits can help create a stronger financial foundation for what comes next.
SAGE Scholars partnered with Arro to give families a practical resource for that transition. The Arro Card combines the opportunity to begin building credit history with financial education and tools designed to help students learn along the way.
For Students
Learn while you build.Gain experience using credit while learning about budgeting, payments, credit history, and other personal finance fundamentals.
For Families
Help them prepare before they are fully on their own.Give your student a practical way to learn about credit while creating opportunities for conversations about spending, payments, and financial independence.
Learn · Build · Grow
Arro is designed for people who are new to credit, combining a real credit card with financial education and guidance through the Arro app.
Start With a Manageable Limit
The Arro Card offers a starting credit limit as low as $50, giving new cardholders a manageable way to begin gaining experience with credit.
Learn as You Go
Personal finance lessons, budgeting tools, and other resources in the Arro app help students understand credit and practice responsible money management.
Build Credit History
Arro reports to Experian, Equifax, and TransUnion, helping students establish credit history through responsible use and on-time payments.
Grow Over Time
As students build responsible habits, their credit limit can grow over time, up to $2,500.
Guidance Built In
Learning about credit can be easier when the lessons connect to real decisions. Arro combines real-world credit experience with tools designed to help students understand what they are doing and why it matters.
Personal Finance Lessons
Bite-sized lessons help students learn about credit, budgeting, payments, spending, and other personal finance fundamentals.
Budgeting & Account Tools
The Arro app helps students start budgeting for the first time with a simple, automated budget tracker and spending insights.
Meet Artie
Artie, Arro’s AI Money Coach, provides personalized guidance about the Arro Card, credit scores, personal finance, and insights to help you achieve your financial goals.
Key Benefits
Credit Check During application
Ready to Learn More About Arro?
Whether you are learning about credit for the first time or helping a student prepare for greater financial independence, Arro offers a guided way to begin building experience, knowledge, and responsible financial habits.
Learn More & Apply →
The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Privacy Policy. See Arro for current rates, fees, eligibility requirements, and terms.