Low Rate Credit Card

^*See important information about rates, fees and other costs

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. 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.

²0% 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 12.74% to 23.74%, 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 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.

³BECU's credit card rates in effect as of 12/1/2025 range from 12.74% to 25.74% 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.

⁴$200 CASH BACK AFTER SPENDING $2,000 IN PURCHASES WITHIN 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 $200 cash reward is not available to individuals who currently have a Low Rate or Points Rewards 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 $200 cash back credit which you must redeem.

To qualify and receive your bonus, you must make purchases totaling $2,000 or more in the first 3 months from account opening. ("Purchases" do not include 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, 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.

⁵Balance transfers, cash advances, and cash-like transactions do not qualify as purchases. A cash back redemption will appear as a statement credit, which reduces the balance on your Cash Back credit card account. A cash back redemption does not constitute a credit toward your minimum monthly payment. Your minimum monthly payment must still be made when you receive a cash back redemption. If applicable, your automatic payment will not be stopped or altered by redeeming cash back rewards.

⁶A secured credit card requires a collateral deposit equal to the approved credit limit. The funds will be held in an interest bearing savings account with BECU and will be refunded to the cardholder upon voluntary closure of the credit card or if the secured credit card is replaced by a traditional BECU credit card product. The funds used to secure the collateral may be used to pay off any balance owed on the secured credit card in the event you default the account.