Cash Back Rates as Low As
APR Effective 12/1/2023*
Cash Back Credit Card
1.5% Unlimited Cash Back and Pay No Annual Fee
Cash Back Credit Card Benefits
- No annual fee1
- Unlimited 1.5% Cash Back2
- Earn a $300 cash back bonus after you spend $3,000 on purchases in the first three months of account opening3
- No balance transfer fees
- No cash advance fees
- No foreign transaction fees and other travel abroad perks
Frequently Asked Questions
New to BECU? You can apply for the BECU credit card in-person at any of our Neighborhood Financial Centers. In order to submit an online application, you'll first need to apply for BECU Credit Union membership and enroll in Online Banking. Once you've got Online Banking set up, you can apply after you log in.
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 a Low Rate credit card and a Cash Back rewards credit card that offers 1.5% cash back on every purchase. BECU also offers affinity card designs. To see the full list of credit card products, visit our Credit Card page.
If your application is approved and all required documents have been obtained, your credit card will arrive in the mail within 5-7 business days. To request a PIN, call 888-886-0083 and follow the instructions. PIN changes may be requested 24 hours a day, seven days a week and are effective immediately.
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.
BECU Cash Back Credit Card
- Unlimited 1.5% cash back
- 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 opening3
- Choose from four card design options
BECU Low Rate Credit Card
- Rates as low as 13.24% variable APR
- No annual or cash advance fees
- New Cardholders: 0% for 12 months introductory APR on purchases within the first year and balance transfers completed within the first 90 days of account opening. After the intro APR offer ends, your rate will range from 13.24% to 25.24%4
- Choose from four card design options
Pick the One That's Right for You
|1.5% Cash Back||New Cardholders Only|
|BECU Low Rate Credit Card
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 Credit Card
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 Low Rate Credit Card but interested in switching to the BECU Cash Back Credit Card?* 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.
*Existing BECU Credit Card holders switching from the Low Rate Credit Card to the Cash Back Credit Card are not eligible for the $300 cash back bonus offer.
Additional Cash Back Credit Card Benefits
You don't just get cash back with this credit card, but you get more benefits, too.
Check out the list below for perks that are in addition to our Low Rate Credit Card:
Extended Warranty Protection
$500,000 Worldwide Automatic Travel Accident Insurance
Travel and Emergency Assistance Services
Lost Luggage Reimbursement
Baggage Delay Protection
Trip Cancellation/Trip Interruption Coverage
Set up Monthly Recurring Payments
There are two ways to automatically pay your credit card every month from a BECU account:
- Fill out a Visa Automatic Payment form and return it to a location near you, or
- Use DocuSign to electronically request monthly recurring payments
Automatic credit card payments can only be set up from a BECU checking, money market, or savings account.
Call 800-233-2328 for additional assistance.
Transfer a high-interest debt to your BECU Low Rate Credit Card with just a few clicks in Online Banking.
Special Notice About Balance Transfers: Once your 12-month 0% introductory purchase APR or your 12-month 0% introductory balance transfer APR ends, there is no grace period on your balance transfers. If you take advantage of this balance transfer offer, you will be charged interest on purchases unless your purchase APR is at a promotional 0% APR. To avoid interest on new purchases after your transfer a balance, you must pay all balances on your account, including balances you transfer under this offer, in full by the first payment due date.
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
- BECU Low Rate Credit Card
- BECU Credit Card Designs
- BECU Cash Credit Card Benefits
- Credit Card Fraud Alerts
- Reprice Program
- Visa Guide to Benefits (.pdf)
- Switch to the BECU Cash Back Credit Card
- Visa Account Updater
- For more information on how to access and use your benefits, check out the Visa guide above or call 1-800-551-8472 and talk to the Visa Benefit Coordinator
Approval subject to BECU membership, credit approval and other underwriting criteria; not every applicant will qualify. Credit Card programs, services, rates, terms and conditions are subject to change without notice. Contact BECU for the most current information. Your APR will vary with the market based on the Prime Rate. Please refer to the Credit and Security Agreement for the terms and conditions, fees, and charges, and other information regarding your credit card account.
1BECU's credit card rates in effect as of 09/01/2023 range from 13.24% to 27.24% variable APR and are subject to change without notice. The actual APR will be determined when you apply and will be based on your credit worthiness.
2Cash advances and cash like transactions do not qualify as purchases.
3$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 Low Rate Credit Card and switch to a Cash Back Credit Card or to individuals who have opened a different Cash Back Credit Card 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.
40% 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 13.24% to 25.24%, based on your credit worthiness and product selection. This APR will vary with the market based with Prime Rate. Introductory offers not available for existing BECU credit card holders, Secured, or Student credit cards. Introductory offer for balance transfers is from date of transfer, when transfers are completed within 90 days of account opening. You may not make Balance Transfers payable to cash, to you, to any individual, to a deposit account, or to any BECU loan account and, if you do make any such Balance Transfer, BECU reserves the right to convert the transaction to a Cash Advance.
It may take up to 7-10 business days to post balance transfers, so you may need to make payments to your other account(s) to keep them current. Balance transfers cannot be used toward amounts you owe BECU and will not earn reward points or cash back. You may not make Balance Transfers payable to cash, to you, to any individual, to a deposit account, or to any BECU loan account and, if you do make any such Balance Transfer request, BECU reserves the right to convert the transaction to a Cash Advance. BECU may decline one or more requests in whole or in part. Balance transfers are contingent upon the available credit on your credit card account. In the event that your requests exceed the amount we approve to process, we will fulfill your requests in the order provided in your response. We are not obligated to fulfill a request if any part of the request would exceed your credit limit. BECU does not charge Balance Transfer fees. We will apply minimum payments at our discretion, and we will apply amounts that exceed the minimum payment amount due to balances with the highest APRs first. Please ensure information about the accounts to be paid-off is correct. If you provide inaccurate information in the requested fields the balance transfer process may be delayed. If a payment is sent to an incorrect company, you may need to work with that company to recover the funds.