Apply for a UW Credit Card
Husky strong! Keep the spirit alive with every purchase.
The UW Credit Card
Share your passion for the Purple and Gold wherever you go. Whether you prefer cash back or a low APR, BECU credit cards offer valuable benefits to fit every lifestyle and financial profile.1
BECU Cash Back Rewards Credit Card Benefits
- Unlimited 1.5% cash back on every purchase.2
- Earn a $200 cash back bonus after you spend $2,000 on purchases in the first three months of account opening.3
- Variable rates as low as 17.24% APR.
- No annual fee, balance transfer fee or cash advance fee.4
BECU Low Rate Credit Card Benefits
- Variable rates as low as 13.24% APR.
- 0% APR for your first 12 months for purchases, and for any balance transfers made within the first 90 days of opening your account. After which your variable interest rate will range from 13.24% to 24.24%.5
- No annual fee.4
- No balance transfer fees.
- No cash advance fees.
You can also make an appointment to apply for the UW Credit Card in person at your nearest BECU location, or call us at 800-233-2328.
Not a BECU member? You can apply for membership and see how you can save more.6
1Approval subject to BECU membership, credit approval, and other underwriting criteria; not every applicant will qualify. Credit Card programs, services, rates, terms and conditions are subject to change without notice. Contact BECU for the most current information. Your APR will vary with the market based on the Prime Rate. Please refer to the Credit and Security Agreement for the terms and conditions, fees, and charges, and other information regarding your credit card account.
2Balance transfers, cash advances or any cash-like transactions, items returned for credit, unauthorized charges, interest charges and account fees are not qualifying purchases.
3$200 CASH BACK AFTER SPENDING $2,000 IN PURCHASES WITHIN THREE (3) MONTHS from account opening: This offer is not available to either (i) current cardholders of this credit card, or (ii) previous cardholders of this credit card who received a new cardholder bonus for this credit card within the last 12 months, (iii) individuals who currently have a Low Rate or Points Rewards credit card and switch to a Cash Back Rewards credit card, or (iv) to individuals who have opened a different Cash Back Rewards account within the previous 12 months. You will receive $100 cash back credit which you must redeem. To qualify and receive your bonus, you must make purchases totaling $2,000 or more in the first three (3) months from account opening. (“Purchases” do not include balance transfers, cash advances, traveler's cheques, foreign currency, money orders, wire transfers, or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers, or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, any fees of any kind, including an annual fee, if applicable.) After qualifying, please allow up to 30 days for bonus to post to your cash back balance. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.
4BECU's credit card rates in effect as of 09/02/2025 range from 13.24% to 26.24% variable APR and are subject to change without notice. The actual APR will be determined when you apply and will be based on your creditworthiness.
50% Introductory Annual Percentage Rate (APR) on purchases for twelve (12) months from date of account opening, and 0% introductory APR on balance transfers for twelve (12) months when completed within ninety (90) days of account opening. After that, your APR will range from 13.24% to 24.24% variable APR, based on your credit worthiness and product selection. This APR will vary with the market based with Prime Rate. Introductory offers not available for BECU secured or student credit cards. Introductory offer for balance transfers is from date of transfer, when transfers are completed within 90 days of account opening. Cash advances and cash-like transactions do not qualify as purchases. Balance transfers do not qualify to earn cash back.
6Member Share, Member Advantage, or Early Saver savings account required to establish membership; not everyone will qualify.