Cash Back Visa
Rates as Low As
APR Effective 1/1/2018*
BECU Cash Back Visa Credit Card
Credit Card Cash Back, Simplified
Sometimes the smartest decision is the simplest one—like choosing the BECU Cash Back Visa® credit card. It's a straightforward, 1.5% unlimited cash back card with no annual fees and one of the best APRs you'll find anywhere.*
We made it easy – no tiered cash back or complicated math. It's 1.5% back on all your purchases: your gas, your coffee, your new eBook, your salad at lunch …. There's no swapping cards for this reward or that reward – it's 1.5% back, plain and simple. So stop chasing changing rewards – or rotating categories - and get the card that earns you cash.
Low Rates, Big Reward
What's even better than earning cash back on your purchases? How about a cash back card with no annual fee? Not only no annual fee, but no cash-advance, foreign-transaction or balance-transfer fees, either. What's more, enjoy our signature, low BECU rate.
It's almost difficult to believe that a financial institution can offer a card like ours. But we're not like most reward programs. We're a credit union that uses our profits to give back to the members. Not charging excessive fees or high rates while offering a 1.5% cash back reward on your purchases is just another way we can give back.
No annual fee
0% Intro APR for 12 months on purchases and balance transfers. After that, your rate is variable, currently ranging from 10.90% to 21.90% based upon your credit-worthiness.**
No balance-transfer fee
No cash-advance fee
No foreign-transaction fee
Get added protection when making online purchases with CardProtect-Verified by Visa
As Good As It Sounds
Wait a minute – how is it that BECU can offer me fewer fees, a great rate, and 1.5% cash back? Surely there must be something missing, like fraud protection? Nope. As a credit union, we can create a credit card that genuinely serves your needs, including fraud, travel and purchase protection.
Check out the list below for the additional perks of a BECU Cash Back credit card:
$500,000 Worldwide Automatic Travel Accident Insurance
Travel and Emergency Assistance Services
Auto Rental Collision Damage Waiver
Lost Luggage Reimbursement
Baggage Delay Protection
Trip Cancellation/Trip Interruption Coverage
Getting Cash Back
You're earning all that cash back – but how do you actually get the cash, back? Simple, once you've accumulated at least $25, your cash back may be redeemed through our Online Banking Message Center, at your nearby Neighborhood Financial Center, or over the phone at 800-233-2328. In the future, we are looking to enhance this experience by supporting self-serve online banking redemptions and rewards inquiries. Look for that feature soon!
Reprice for a Renewed You***
What happens if you're not earning the best rate for your card? We've even got that covered, too – every BECU credit card is automatically enrolled in our signature Reprice Program.
*See important information about rates, fees and other costs.
**0% 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 be from 10.90% to 21.90%, based on your credit worthiness and product selection. This APR will vary with the market based with Prime Rate.
***We periodically evaluate the credit rating of each member who has a credit card, personal line of credit, personal loan, auto loan, boat loan or RV loan with BECU. If you've improved your credit score sufficiently and your account is in good standing, you may earn a better rate (if you're not already receiving our lowest rate).
Credit Card programs, services, rates, terms and conditions are subject to change without notice. Contact BECU for the most current information.