Visa Rates as Low As
APR Effective 12/1/2020*
Enjoy a Low Rate with No Annual Fee
BECU Visa Benefits
- No annual fee
- $0% Intro APR for 12 months on both purchases and balance transfers. After that, your rate is variable, currently ranging from 7.99% to 19.99% based upon your credit-worthiness.**
- No balance transfer fees
- No cash advance fees
- No foreign transaction fees and other travel abroad perks
Members may become eligible for an even lower rate by making timely payments and maintaining a healthy credit score. Learn more about our Loan Reprice Program.***
Frequently Asked Questions
Additional BECU Visa Benefits
We created a credit card that serves your needs and includes additional benefits, such as fraud and travel protection.
Check out the list below for the additional perks of a BECU credit card:
- Warranty Manager
- Roadside Dispatch
- Worldwide Automatic Travel Accident Insurance
- Travel and Emergency Assistance Services
- Auto Rental Collision Damage Waiver
- Contactless Credit Cards
- Visa Account Updater
Set up Monthly Recurring Payments
There are two ways to automatically pay your Visa® credit card every month from a BECU account:
- Fill out a Loan Modification Request form and return it to a location near you, or
- Use DocuSign to electronically request monthly recurring payments
Automatic Visa payments can only be set up from a BECU checking, money market, or savings account.****
Call 800-233-2328 for additional assistance.
Transfer high-interest debt to your BECU Visa® card with just a few clicks in Online Banking.
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
*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 7.99% to 19.99%, based on your credit worthiness and product selection. This APR will vary with the market based with 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.
***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).
****You may make up to six (6) pre-authorized, automatic, telephonic, or Online Banking transfers from savings or money market accounts during a calendar month. If transfer requests exceed six (6) transfers, we may assess an Excess Transaction fee.
SPECIAL NOTICE: If you pay your credit card balance in full each month, you do not pay interest on your purchases. This is called a grace period. Please note that once your 12-month 0% introductory purchase APR ends, you will pay interest on any purchases (including recurring automatic payments) unless you pay your entire balance (including both transferred balances and purchase balances) in full.
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.