BECU Credit Cards
We offer contactless, cash back, and low-interest rate credit cards1 with no annual fees2.
Explore Credit Card Options
Build strong credit with our competitive interest rates, few fees, and great rewards. Explore features, rates, and benefits for each of our credit card offering.
Low Rate Credit Card
Our lowest interest rate credit card features no annual fees, including no balance transfer and cash advance fees2.
Learn about our Low-Rate Credit CardCash Back Credit Card
Get unlimited 1.5% cash back3 with no annual fees plus $200 sign-up bonus if you spend $2000 in three months after opening4.
Learn about our Cash Back Credit CardSecured Credit Card
If you're looking to improve your credit score, a secured credit card can help establish or reestablish your credit.
Learn about our Secured Credit CardBECU Partners Credit Card Designs
We offer low-interest rate credit card designs featuring WSU, UW, and Boeing. Learn about credit card designsAdditional Credit Card Resources
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.
2BECU's credit card rates in effect as of 7/1/2026 range from 12.49% to 23.49% 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.
3Balance transfers, cash advances, and cash-like transactions do not qualify as purchases. A cash back redemption will appear as a statement credit, which reduces the balance on your Cash Back credit card account. A cash back redemption does not constitute a credit toward your minimum monthly payment. Your minimum monthly payment must still be made when you receive a cash back redemption. If applicable, your automatic payment will not be stopped or altered by redeeming cash back rewards.
4$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 $200 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.