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 12/1/2018*


Cash Back Visa

Variable Rate

*See important information about rates, fees and other costs

Get 1.5% Unlimited Cash Back and Pay No Annual Fee

The BECU Cash Back Visa® eliminates an annual fee and complex reward tiers. Instead, you earn 1.5% cash back with every purchase. Now that's a rewarding credit card.

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 11.90% APR** 

  • $0% Intro APR for 12 months on both purchases and balance transfers. After that, your rate is variable, currently ranging from 11.90% to 22.90%  based upon your credit-worthiness. 

Cash Back Visa

Compare BECU Credit Cards

Already have our low APR Visa? As a not-for-profit credit union, our cash-back card still doesn't tack on fees.

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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:

  • Warranty Manager 

  • Roadside Dispatch

  • $500,000 Worldwide Automatic Travel Accident Insurance

  • Travel and Emergency Assistance Services

  • Auto Rental Collision Damage Waiver

  • Price Protection

  • Lost Luggage Reimbursement

  • Baggage Delay Protection

  • Trip Cancellation/Trip Interruption Coverage

  • Visa Account Updater

How to Apply

  • New to BECU?  You'll first need to apply for BECU Credit Union membership  (don't worry, it's an easy online application), and then you can apply for your Rewards Credit Card through your online banking account.
  • Current BECU Member?  Simply login to Online Banking  and select Apply for Credit Cards & Loans from tabbed options. 
How to Apply

How to Redeem

You're earning all that cash back – but how do you actually get the cash, back? 

  1. Accumulate at least $5

  2. Log in to Online Banking

  3. Select your "Visa Credit Card"

  4. Choose "Redeem Cash Back"

Your cash back redemption will be applied to your credit card account as a statement credit. 


When you open a credit card at BECU, you open a door to membership. Being a member is different than being a customer. As members, we benefit from better rates and fewer fees (the Visa card's fee is a great example) and many more membership benefits.

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*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 11.90% to 22.90%, 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.