Elevate Rewards Visa Signature® Credit Card
1Approval 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. This offer is not guaranteed if you do not meet the criteria used to select you or you do not meet any applicable criteria bearing on your creditworthiness established before your selection, for example if you are not a BECU member, you are not 21 years of age or older, you are in default of any term of any agreement you have with BECU, you fail to meet underwriting requirements, you fail to comply with our loan program requirements, or you have applied for a BECU credit card since we have selected you. The APR will vary with the market based on the Prime Rate. Please refer to the Credit Card Agreement and the BECU Consumer Lending Rates & Related Disclosures – Elevate Rewards Credit Card for terms and conditions, rates, fees, and other information. The minimum credit limit for credit cards is $500.
Back
2Receive 20,000 bonus rewards points after making $2,000 or more in purchases in the first 90 days of account opening. After the introductory bonus offer period ends, you will accrue rewards points per the terms and conditions of the Elevate Visa Rewards Program. Balance transfers, cash advances, traveler's cheques, foreign currency, money orders, wire transfers, or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers, or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and any fees of any kind are not qualifying purchases for this offer. This offer is not valid if you opened an Elevate Credit Card within the last 12 months. This offer is also not valid if you switch your existing card to the Elevate Credit Card. Introductory bonus offers are not available for BECU secured credit cards.
Back
3For each one (1) dollar of Qualifying Purchases in the following merchant categories charged to your Elevate Credit Card, you will be awarded three (3) points: Dining at restaurants, including takeout and eligible delivery services; Travel, including Airlines, Hotel/Motels, Cruise lines, and Vehicle/Auto rentals; Transit, including Taxis, Buses, Passenger Railway, and Limousines; Streaming services. For each one (1) dollar of all other Qualifying Purchases charged to your Elevate Credit Card, you will be awarded one (1) point. Your points will begin to accumulate from the date your Card Account is opened, and you will continue to earn points as long as you remain in good standing.
Back
4BECU's Elevate credit card rates in effect as of 11/1/2026 range from 18.74 - 28.74% variable APR and are subject to change without notice. The actual APR will be determined when you apply and will be based on your creditworthiness.
Back
Rise Cash Back Visa Signature® Credit Card
5Introductory Bonus Offer: You will accrue 2% Cash Back and the intro bonus offer simultaneously. After the intro bonus offer period ends, you will accrue 2% Cash Back only. To qualify and receive your $200 bonus, you must make purchases totaling $2,000 or more in the first 90 days from account opening. Balance transfers and cash advances, traveler's cheques, foreign currency, money orders, wire transfers, or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers, or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and any fees of any kind are not qualifying purchases. This offer is not valid if you opened a Cash Back Credit Card or Rise Credit Card within the last 12 months. This offer is also not valid if you switch your existing card to the Rise Credit Card. Introductory bonus offers are not available for BECU secured credit cards.
Cash Back can be redeemed as a statement credit or a deposit to a BECU savings, checking, or money market account. Redemption does not constitute a credit toward your minimum payment. Automatic payments will not be stopped by redeeming cash Back rewards. If Cash Back is applied as statement credit, it will appear as an account adjustment.
Back
60% Purchase APR Introductory Offer: 0% intro APR for 6 months from date of account opening. The APR on remaining and new purchase balances after 6 months will range from 18.74% to 28.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Balance transfers, cash advances, traveler's cheques, foreign currency, money orders, wire transfers, or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers, or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and any fees of any kind are not qualifying purchases for this offer. This offer is not valid if you opened a Cash Back Credit Card or Rise Credit Card within the last 12 months. This offer is also not valid if you switch your existing card to the Rise Credit Card. Introductory APR offers are not available for BECU secured credit cards.
Back
70% Balance Transfer APR Introductory Offer: 0% intro APR for 6 months from date of transfer when transfers are completed within 90 days of account opening. The APR on remaining and new balance transfer balances after 6 months will range from 18.74% to 28.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Purchases and cash advances do not qualify as balance transfers. It could 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. BECU may decline any request 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 in which they were requested. Please ensure information about the accounts to be paid 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. This offer is not valid if you opened a Cash Back Credit Card or Rise Credit Card within the last 12 months. This offer is also not valid if you switch your existing card to the Rise Credit Card. Introductory APR offers are not available for BECU secured credit cards..
Back
8BECU's Rise credit card rates in effect as of 11/1/2026 range from 18.74 - 28.99% variable APR and are subject to change without notice. The actual APR will be determined when you apply and will be based on your creditworthiness.
Back
Lift Low Rate Visa® Credit Card
90% Purchase APR Introductory Offer: 0% intro APR for 12 months from date of account opening. The APR on remaining and new purchase balances after 12 months will range from 12.74% to 21.74%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Balance transfers, cash advances, traveler's cheques, foreign currency, money orders, wire transfers, or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers, or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and any fees of any kind are not qualifying purchases for this offer. This offer is not valid if you opened a Low Rate Credit Card or Lift Credit Card within the last 12 months. This offer is also not valid if you switch your existing card to the Lift Credit Card. Introductory offers are not available for BECU secured credit cards.
Back
100% Balance Transfer APR Introductory Offer: 0% intro APR for 12 months from date of transfer when transfers are completed within 90 days of account opening. The APR on remaining and new balance transfer balances after 12 months will range from 12.74% to 21.74%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Purchases and cash advances do not qualify as balance transfers. It could 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. BECU may decline any request 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 in which they were requested. Please ensure information about the accounts to be paid 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. This offer is not valid if you opened a Low Rate Credit Card or Lift Credit Card within the last 12 months. This offer is also not valid if you switch your existing card to the Lift Credit Card. Introductory offers are not available for BECU secured credit cards.
Back
11BECU's Lift credit card rates in effect as of 11/1/2026 range from 12.74 - 21.74% variable APR and are subject to change without notice. The actual APR will be determined when you apply and will be based on your creditworthiness.
Back
