Two women carrying shopping bags, Cash Back Visa credit card

Cash Back Visa®

The BECU Cash Back Visa credit card earns 1.5% unlimited cash back with no annual fee.

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Cash Back Visa Rates as Low As

APR Effective 3/1/2023*

15.24
%
APR

Cash Back Visa

Variable Rate

*See important information about rates, fees and other costs

Apply Now

Or visit a Neighborhood Financial Center

1.5% Unlimited Cash Back and Pay No Annual Fee

Cash Back Visa Benefits

  • No annual fee
  • Unlimited 1.5% Cash Back
  • Earn a $300 cash back bonus after you spend $3,000 on purchases in the first three months of account opening**
  • No balance transfer fees
  • No cash advance fees
  • No foreign transaction fees and other travel abroad perks
  • Variable rates as low as 15.24% APR*

Frequently Asked Questions

Cash Back Visa

New to BECU? You'll first need to apply for BECU Credit Union membership, and then you can apply for your credit card through your online banking account.

Current BECU member? Simply log in to Online Banking and select Apply for Credit Cards & Loans from tabbed options. If you are looking for a Business credit card, see our Business Credit Cards page for more information.

BECU offers 4 different designs to choose from for the BECU Visa and Cash Back Visa Credit Cards.

Learn more about BECU credit card designs

Members can log in to Online Banking and select Check Loan Status from the tabbed options.

BECU offers a low-rate, traditional Visa credit card and a Cash Back Visa rewards credit card that offers 1.5% cash back on every purchase. BECU also offers affinity card options. To see the full list of credit card products, visit our Credit Card page.

Once your application is approved and all required documents have been obtained, your credit card will arrive in the mail within 5-7 business days. You will receive a PIN in a separate mailing within 7-10 business days.

FAQs for Existing Card Holders

Compare BECU Credit Cards

No matter which card you choose, all BECU cards offer great benefits that are designed to directly benefit you, the member, not our bottom line.

Cash Back Visa

  • Unlimited 1.5% cash back
  • 15.24% - 26.24% APR
  • No annual or cash back advance fee

  • Earn a $300 cash back bonus after you spend $3,000 on purchases in the first three months of account opening**

  • Choose from 4 card design options

Visa

  • 12.24% - 24.24% APR
  • No annual or cash back advance fees
  • New Cardholders: 0% for 12 months introductory APR on balance transfers completed within the first 90 days of account opening****
  • Choose from 4 card design options

Pick the One That's Right for You

1.5% Cash Back*** New Cardholders
BECU Visa
12.24%-24.24% Variable Rate tied to Prime
No
Introductory 0% APR for your first 12 months for purchases, and for any balance transfers made within the first 90 days of opening your account. ****
BECU Cash Back Visa
15.24%-26.24% Variable Rate tied to Prime
Yes
Earn a $300 cash back bonus after you spend $3,000 on purchases in the first three months of account opening**

Already have our BECU Visa but interested in switching to cash back? Members don't need to reapply – just give us a call at 800-233-2328, send us a secure message in Online Banking, or stop by a Neighborhood Financial Center.

Additional Cash Back Visa Benefits

You don't just get cash back with this Visa, but you get more benefits, too.

Check out the list below for perks that are in addition to our traditional Visa:

Set up Monthly Recurring Payments

There are two ways to automatically pay your Visa® credit card every month from a BECU account:

  1. Fill out a Visa Automatic Payment form  and return it to a location near you, or
  2. Use DocuSign to electronically request monthly recurring payments

Automatic Visa payments can only be set up from a BECU checking, money market, or savings account.****

Call 800-233-2328 for additional assistance.

Balance Transfer

Transfer a high-interest debt to your BECU Visa card with just a few clicks in Online Banking.

Transfer a Balance

Loan Payment Protection Program

The Loan payment protection program (LPP) provides financial assistance during times of hardship. LPP is an optional benefit offered through BECU.

  • Provides minimum monthly credit card payments in case of involuntary job loss, disability or loss of life
  • Monthly program cost is based on loan balance and package options

To apply, call us at 800-233-2328 and ask about getting LPP added to your loan. View the Credit Card Loan Payment Protection Contract.


Related Links

Cash Back Visa Benefits

Visa Cash Back Benefits

Our Cash Back Visa comes with fraud protection, travel services and even extended warranties.

*See important information about rates, fees and other costs.

**$300 CASH BACK AFTER SPENDING $3,000 IN PURCHASES IN 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. The additional $300 cash reward is not available to individuals who currently have a Traditional BECU Visa and switch to a Cash Back Rewards Visa or to individuals who have opened a different Cash Back Rewards Account within the previous 12 months. You will receive $300 cash back credit which you must redeem. To qualify and receive your bonus, you must make purchases totaling $3,000 or more in the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers, or similar cash-like transactions, lottery tickets, casino gaming chips, race track 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.

***For complete details about BECU Cash Back and Traditional Benefits, please refer to the VISA Guide to Benefits (.pdf).

****New Cardholder Offer: 0% APR for your first 12 billing cycles for purchases, and for any balance transfers made within the first 90 days of opening your account. After the introductory period, your current variable APR will apply, based on your credit worthiness and product selection. This APR will vary with the market based on the Prime Rate.

Offer subject to credit approval. Credit Card programs, services, rates, terms and conditions are subject to change without notice. Contact BECU for the most current information.