Cash Back Credit Card
Earn 1.5% cash back on purchases, plus a $200 bonus when you spend $2,000 in the first 3 months.
Benefits of the BECU Cash Back Credit Card
Earn 1.5% Unlimited Cash Back and a $200 Bonus
Earn cash back on everyday purchases, like gas, groceries and your favorite places, you shop the most.3 Plus, you could get a $200 cash back bonus if you spend $2,000 on purchases in the first 3 months of account opening.4
No Annual Fee, No Balance Transfer Fee.2
It's one of the simplest cards to add to your wallet for earning cash back. Plus, pay no foreign transaction fees when travelling abroad.
Rates as Low As
Best for Everyday Spending and Simplicity
Great for earning cash back rewards on everyday purchases without tracking categories or redeeming points for gift cards. With 1.5% back on everyday spending, no annual credit card fee, and no surprises, it's a smart way to earn cash back every time you use your card.
Build Credit Responsibly with a BECU Cash Back Credit Card
The BECU Cash Back Credit Card makes it simple to earn cash back rewards on everyday purchases while supporting healthy credit habits. With responsible use, it may help you build good credit over time.
-
Price Protection: If you purchase an item that drops in price within 60 days, get that price difference – up to $500 per item – refunded. Refer to the Cash Back Credit Card Benefits for details.
-
Option to set up recurring payments so you never miss a due date.
-
Avoid missed payments when your card expires with Automatic Bill Updater.
-
Establish an even stronger credit score with timely payments.
Paying off your balance monthly helps you avoid interest, stay organized, and get the most from your cash back rewards credit card. BECU Online Banking makes it easy to manage your account anytime, anywhere.
Cash Back Credit Card Perks
Cardholders enjoy credit card rewards like travel protection,6 security features and financial wellness tools. Explore all Cash Back Credit Card benefits.
Shop and Travel with Confidence6
- Price Protection and Extended Warranty Protection
- $500,000 automatic travel accident insurance
- Emergency assistance services, including roadside dispatch
- Lost luggage reimbursement & baggage delay protection
- Trip cancellation/Trip interruption coverage
Security Features Built into Your Credit Card
- Credit card fraud alerts
- Contactless tap technology credit card
- EMV security chip
Show Your Pride with Your Cash Back Credit Card
Whether you're a proud Husky, Cougar, or Boeing employee, you can choose a BECU Cash Back Credit Card design that reflects your community. All of these cards offer the same great features, like cash back on everyday purchases and no annual fee.
Apply for a Cash Back Credit Card Online
If you're not a BECU member yet, you'll need to apply for BECU membership, enroll in Online Banking, and apply after you log in. If you're already a member, log in to Online Banking and select Apply for Credit Cards and Loans from the tabbed options.
Frequently asked questions
Join BECU and enroll in Online Banking before applying. Current members can log in to Online banking and select Apply for Credit Cards and Loans.
You'll earn 1.5% cash back on every purchase.3 So if you spend $1,000, you get $15.
To qualify for a BECU Cash Back Credit Card, you'll need to join BECU if you're not already a member. Once your account is open, apply for the credit card in Online Banking. You'll receive a decision within 5 to 7 business days.
There are no cash back limits — spend3 and earn as you please.
Cash back means you earn a certain percentage — in this case 1.5% — on everyday purchases. That money will then be applied to your credit card balance as a statement credit.
Who Should Choose a Cash Back Credit Card?
A cash back credit card is best for members who want to earn cash back on everyday purchases without paying an annual credit card fee or managing complicated credit card rewards programs. It's a simple way to redeem cash back for the spending you already do, with no rotating categories or limits.
Compare BECU Credit Cards
Cash Back Credit Card
Current Card
For cardholders who prefer cash back rewards and pay off their balance monthly.
- Unlimited 1.5% cash back on all purchases3
- You could earn a $200 cash back bonus after you spend $2,000 on purchases in the first three months of account opening4
- No annual, cash advance, and balance transfer fees2
Low Rate Credit Card
For cardholders who carry a balance from month to month and are looking for the lowest interest rate possible.
- Rates as low as 12.49% variable APR
- 0% Introductory APR for your first 12 months, after which your rate will range from 12.49% - 23.49% variable APR.5
- No annual, cash advance, and balance transfer fees2
Secured Credit Card
For cardholders with little to no credit history who want to build their credit score.
- Choose between a secured Low Rate Card or secured Cash Back Card
- No annual, cash advance, and balance transfer fees2