Find Your Fit: 3 New BECU Credit Cards
Whether you're earning points toward your next trip, enjoying cash back on everyday purchases or keeping a close eye on interest costs, BECU's three new credit cards give you more ways to find a fit for your life and budget.
Takeaways: New Credit Card Options for Your Life and Budget
- Three new credit cards1 offer options for points rewards, cash back or a lower ongoing interest rate.
- All three cards have no annual fee or foreign transaction fees.2
- An updated application experience lets you check which cards you may qualify for before submitting a full application. If you're not yet a member, you can apply for membership and a credit card at the same time.
- If approved, you can access your account and add it to a digital wallet before it arrives in the mail.
You have three new BECU credit cards to choose from, each with a different benefit: Elevate earns points on travel and dining, Rise offers cash back on everyday purchases and Lift has BECU's lowest ongoing interest rate.
“Our members want a card that fits their life and how they spend,” said Werner Loots, executive vice president and chief consumer and business solutions officer. “These cards give them more choice.”
Meet Elevate, Rise and Lift
Points for Travel and Dining: BECU Elevate Rewards Visa Signature
Earn more points when you dine out, travel, take mass transit or use streaming services. With the BECU Elevate Rewards Visa Signature card, you get:
- 3 points per dollar in those categories and 1 point per dollar on other qualified purchases.3
- Points with no expiration or earning cap.
- Redemption options that include travel, merchandise, gift cards or a statement credit.
Introductory offer: 20,000 bonus points after $2,000 in qualifying purchases within the first 90 days of account opening.4
May be best for: Foodies and travelers who want extra rewards on their favorite spending categories and flexible ways to redeem points.
Cash Back on Purchases: BECU Rise Cash Back Visa Signature
Get unlimited 2% cash back on purchases5 with the BECU Rise Cash Back Visa Signature card, with no earning cap or expiration. You earn the same cash-back rate without tracking spending categories.
Introductory offers:
- A $200 cash-back bonus after $2,000 in qualifying purchases within the first 90 days of account opening.5
- 0% APR for six months on purchases from the date you open your account.6
- 0% APR for six months on qualifying balance transfers completed within the first 90 days of account opening.7
After the introductory periods, rates range from 18.74% - 28.99% variable APR as of 11/1/2026.8
May be best for: Thrifty spenders who want their routine purchases to pay them back without having to track spending categories.
A Lower Ongoing Interest Rate: BECU Lift Low Rate Visa
If you expect to carry a balance or transfer a balance from another card, the BECU Lift Low Rate Visa offers the lowest ongoing interest rate of any of our credit cards. It can help you keep borrowing costs lower while managing a balance.
Introductory offers:
- 0% APR for 12 months on purchases from the date you open your account.9
- 0% APR for 12 months on balance transfers completed within the first 90 days of account opening.10
After the introductory periods, rates range from 12.74% - 21.74% variable APR as of 11/1/2026.11
May be best for: Budget-conscious borrowers focused on keeping interest costs low, especially if they expect to carry or transfer a balance.
Card Perks and Protections
Whichever card you choose, you won't pay an annual fee or foreign transaction fees. Those savings are one way BECU returns value to members as a not-for-profit credit union. With Rise and Elevate, you can earn rewards without having to offset an annual fee.
All three cards include fraud protection, account alerts and standard Visa benefits, such as extended warranty protection, roadside dispatch, travel and emergency assistance and travel accident insurance.12
Rise and Elevate go a step further with Visa Signature benefits for every cardholder, including perks, services and offers related to travel, hotels and entertainment, plus trip cancellation coverage and lost luggage reimbursement.
Check Your Options Before You Apply
You can check which cards you may qualify for with a soft credit inquiry before submitting a full application. A full application requires a hard credit inquiry, which could temporarily affect your credit score.
Not a BECU member yet? You can apply for membership and a credit card in the same process. Cardholders can also add up to four authorized users.
If approved for a new card account, you can start using it before the physical card arrives in 7-10 business days. You can securely access your card details, add it to Apple Wallet or Google Wallet, and start making purchases.
“Members should be able to understand their options before taking the next step,” said Nola Ogunyemi, senior vice president, Lending. “They can check which cards they may qualify for before submitting a full application and, if approved, access their card without waiting for it to arrive in the mail.”
Already Have a BECU Credit Card?
If you already have a BECU credit card, you can continue using it with full access and support. Classic and secured cards will no longer be available to new applications. You can also switch to a new card or apply for a new card and keep your current one.
If you have a classic card, you may be able to switch to a new Lift, Rise or Elevate without a credit pull, provided you meet the eligibility requirements and your account is in good standing. Applying for a new card instead requires a full application.
Note: Introductory offers are not available for switching to a new credit card type.
There's no need to change cards if your current one still meets your needs. If you're considering a different option, compare how its rewards and ongoing interest rate fit the way you use credit.
The above article is intended to provide generalized financial information designed to educate a broad segment of the public; it does not give personalized financial, tax, investment, legal, or other business and professional advice. Before taking any action, you should always seek the assistance of a professional who knows your particular situation when making financial, legal, tax, investment, or any other business and professional decisions that affect you and/or your business. Linked third parties are solely responsible for the delivery and quality of their products and services. BECU does not guarantee nor expressly endorse any particular product or service.
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.
2BECU's credit card rates in effect as of 11/1/2026 range from 12.74% to 28.99% 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.
3For each one (1) dollar of Qualifying Purchases in the following merchant categories charged to your Elevate Credit Card, you will be awarded three (3) points: Dining at restaurants, including takeout and eligible delivery services; Travel, including Airlines, Hotel/Motels, Cruise lines, and Vehicle/Auto rentals; Transit, including Taxis, Buses, Passenger Railway, and Limousines; Streaming services. For each one (1) dollar of all other Qualifying Purchases charged to your Elevate Credit Card, you will be awarded one (1) point. Your points will begin to accumulate from the date your Card Account is opened, and you will continue to earn points as long as you remain in good standing.
4Elevate Introductory Bonus Offer: Receive 20,000 bonus rewards points after making $2,000 or more in purchases in the first 90 days of account opening. After the introductory bonus offer period ends, you will accrue rewards points per the terms and conditions of the Elevate Visa Rewards Program. 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, and any fees of any kind are not qualifying purchases for this offer. This offer is not valid if you opened an Elevate Credit Card within the last 12 months. This offer is also not valid if you switch your existing card to the Elevate Credit Card. Introductory bonus offers are not available for BECU secured credit cards.
5Rise Introductory Bonus Offer: You will accrue 2% Cash Back and the intro bonus offer simultaneously. After the intro bonus offer period ends, you will accrue 2% Cash Back only. To qualify and receive your $200 bonus, you must make purchases totaling $2,000 or more in the first 90 days from account opening. Balance transfers and 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, and any fees of any kind are not qualifying purchases. This offer is not valid if you opened a Cash Back Credit Card or Rise Credit Card within the last 12 months. This offer is also not valid if you switch your existing card to the Rise Credit Card. Introductory bonus offers are not available for BECU secured credit cards.
6Rise 0% Purchase APR Introductory Offer: 0% intro APR for 6 months from date of account opening. The APR on remaining and new purchase balances after 6 months will range from 18.74% to 28.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 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, and any fees of any kind are not qualifying purchases for this offer. This offer is not valid if you opened a Cash Back Credit Card or Rise Credit Card within the last 12 months. This offer is also not valid if you switch your existing card to the Rise Credit Card. Introductory APR offers are not available for BECU secured credit cards.
7Rise 0% Balance Transfer APR Introductory Offer: 0% intro APR for 6 months from date of transfer when transfers are completed within 90 days of account opening. The APR on remaining and new balance transfer balances after 6 months will range from 18.74% to 28.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Purchases and cash advances do not qualify as balance transfers. It could take up to 7-10 business days to post balance transfers, so you may need to make payments to your other account(s) to keep them current. Balance transfers cannot be used toward amounts you owe BECU. BECU may decline any request in whole or in part. Balance transfers are contingent upon the available credit on your credit card account. In the event that your requests exceed the amount we approve to process, we will fulfill your requests in the order in which they were requested. Please ensure information about the accounts to be paid is correct. If you provide inaccurate information in the requested fields, the balance transfer process may be delayed. If a payment is sent to an incorrect company, you may need to work with that company to recover the funds. This offer is not valid if you opened a Cash Back Credit Card or Rise Credit Card within the last 12 months. This offer is also not valid if you switch your existing card to the Rise Credit Card. Introductory APR offers are not available for BECU secured credit cards.
8BECU's Rise credit card rates in effect as of 11/1/2026 range from 18.74% to 28.99% 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.
9Lift 0% Purchase APR Introductory Offer: 0% intro APR for 12 months from date of account opening. The APR on remaining and new purchase balances after 12 months will range from 12.74% to 21.74%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 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, and any fees of any kind are not qualifying purchases for this offer. This offer is not valid if you opened a Low Rate Credit Card or Lift Credit Card within the last 12 months. This offer is also not valid if you switch your existing card to the Lift Credit Card. Introductory offers are not available for BECU secured credit cards.
10Lift 0% Balance Transfer APR Introductory Offer: 0% intro APR for 12 months from date of transfer when transfers are completed within 90 days of account opening. The APR on remaining and new balance transfer balances after 12 months will range from 12.74% to 21.74%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Purchases and cash advances do not qualify as balance transfers. It could take up to 7-10 business days to post balance transfers, so you may need to make payments to your other account(s) to keep them current. Balance transfers cannot be used toward amounts you owe BECU. BECU may decline any request in whole or in part. Balance transfers are contingent upon the available credit on your credit card account. In the event that your requests exceed the amount we approve to process, we will fulfill your requests in the order in which they were requested. Please ensure information about the accounts to be paid is correct. If you provide inaccurate information in the requested fields, the balance transfer process may be delayed. If a payment is sent to an incorrect company, you may need to work with that company to recover the funds. This offer is not valid if you opened a Low Rate Credit Card or Lift Credit Card within the last 12 months. This offer is also not valid if you switch your existing card to the Lift Credit Card. Introductory offers are not available for BECU secured credit cards.
11BECU's Lift credit card rates in effect as of 11/1/2026 range from 12.74% to 21.74% 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.
12Some restrictions apply. Refer to the Visa Guide to Benefits for complete terms, conditions, and benefit details.
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