Visa Cash Back

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 5/1/2021*


Cash Back Visa

Variable Rate

*See important information about rates, fees and other costs

1.5% Unlimited Cash Back and Pay No Annual Fee

Cash Back Visa Benefits

  • No annual fee
  • Unlimited 1.5% Cash Back
  • No balance transfer fees
  • No cash advance fees
  • No foreign transaction fees and other travel abroad perks
  • Variable rates as low as 10.99% APR*
  • 0% Intro APR for 12 months on both purchases and balance transfers for new cardholders. After that, your rate is variable, currently ranging from 10.99% to 21.99% based upon your credit-worthiness.**

Frequently Asked Questions

Cash Back Visa

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
  • 10.99% - 21.99% APR
  • No annual or cash back advance fee
  • 0% for 12 months introductory APR on balance transfers for new cardholders
  • Choose from 4 card design options


Pick the One That's Right for You
7.99%-19.99% Variable Rate tied to Prime
BECU Cash Back Visa
10.99%-21.99% Variable Rate tied to Prime
1.5% Cash Back*** Latin small letter A
Introductory APR on Purchases and Balance Transfers**
0% for 12 months
0% for 12 months

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:

  • Extended Warranty Protection

  • Roadside Dispatch

  • $500,000 Worldwide Automatic Travel Accident Insurance

  • Travel and Emergency Assistance Services

  • Price Protection

  • Lost Luggage Reimbursement

  • Baggage Delay Protection

  • Trip Cancellation/Trip Interruption Coverage

  • Contactless Visa Credit Cards

  • Visa Account Updater

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 Loan Modification Request 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.

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.

*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 (new cardholders only). After that your APR will be from 10.99% to 21.99%, based on your credit worthiness and product selection. This APR will vary with the market based with Prime Rate.

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

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.