No Annual Fee. Zero
You won't pay a cent just to have this card in your wallet. Keep your money for the things that matter, not for the privilege of a piece of plastic.
Real purchasing power, without the price tag.
Most credit cards quietly cost you more than you think. The Arise Classic Credit Card is built differently with a low fixed rate, no annual fee, and fraud protection built right in. It's the straightforward card you need for everyday life. No surprises. Just smart, simple credit that puts you first.
A credit card with nothing to hide.
The Arise Classic Credit Card isn't trying to dazzle you with perks you'll never use. It's built around what actually matters, keeping your costs down, your money safe, and your financial life simple.
Low Fixed Rate
Your rate stays fixed so your monthly payments never catch you off guard. Borrow what you need and know exactly what you'll need to repay.
Fraud Protection
With Zero Liability protection, you're not responsible for unauthorized purchases. And with 24/7 ID Theft Resolution services, help is always there if you need it. In short, you're always covered.
Find your rate with
no commitments
Everything we do is completely transparent. Including our rates. Compare them now.
Check RatesYou're three steps away from your new account.
We've made applying simple, because life is complicated enough. The entire application takes just a few minutes, and you'll know exactly where you stand every step of the way.
Step 01
Tell Us About Yourself
Start with the basics — your name, address, income information, and a few details to help us verify your identity.
Step 02
Choose the Card That’s Right For You
Compare features, rewards, and benefits to find the card that fits your spending habits and financial goals. Need help? We're just a call away.
Step 03
Start Using Your Card
Once approved, you'll be on your way to enjoying the convenience, security, and benefits of your new credit card. Activate your card and start spending with confidence.
Your Arise Classic Credit Card questions, answered
The ones we hear most. Answered plainly, without the fine print.
Is there an annual fee for the Arise Classic Credit Card?
No. There’s no annual fee when you open the card, and no annual fee year after year. You keep more of what you earn.
What's the interest rate on the Arise Classic Credit Card?
The Arise Classic Credit Card comes with a low fixed APR on purchases. Your specific rate is based on your creditworthiness. You can find current rates on our Rates page.
What's the difference between the Arise Classic and the Arise Platinum Credit Card?
Both cards offer low fixed rates and no annual fee. The Arise Platinum Credit Card is designed for members who want a higher credit line and additional benefits. Not sure which card is right for you? Give us a call and we’ll help you figure it out.
Can I transfer a balance from another credit card?
Yes. The Arise Classic Credit Card offers a low balance transfer rate for balances transferred from non-Arise credit cards, including check cash advances. That rate stays with you for as long as you hold the card.
What fraud protection does this card include?
You’re covered by Zero Liability protection, which means you won’t be held responsible for unauthorized purchases made with your card when reported promptly. You also get access to identity theft resolution support, so if something ever goes wrong, help is a phone call away.
What credit limit can I get?
Credit lines range from $300 to $10,000. Your limit is determined based on your application and creditworthiness.
How do I apply?
You can apply online right from this page. You'll need to be an Arise member first, if you're not yet a member, opening an account takes just a few minutes.
What if my card is lost or stolen?
Report it right away. Call us at 800-562-7328 anytime, 24/7. We’ll help secure your card and get things sorted fast.
We're here for you.
Our team is ready to help you reach your goals with personalized support and guidance.
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