The BECU Visa credit card has one of the lowest rates you’ll find anywhere.

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At BECU, we don't think it's enough to just offer one of the lowest APR credit cards out there—we want to help you actually get it. That's why we created a card that can lower your rate as your credit score improves.

Roadmap to Success

BECU helps you take charge of your financial future by offering a no-annual-fee Visa card with one of the lowest interest rates out there. Taking on a big purchase? Managing fluctuating income? That low rate comes in handy when you need to carry a balance on your card.

Yet, it's not enough to just offer a low interest rate – we want to help you actually get it.

BECU Visa Credit Card

Low Rate + Reprice Program

BECU is unique for a number of ways – one of them is our Reprice Program*. Members with a BECU credit card are automatically eligible. The Reprice Program lowers members' rates when their credit score improves. Who even does that?! Well, we do. Because as a member-owned credit union, we don't answer to corporate shareholders, we answer to you.

How It Works

BECU periodically evaluates the credit rating of each member with a qualifying product. If you've improved your credit score sufficiently, made timely payments and your account is in good standing, you may earn a better rate (if you're not already receiving our lowest rate).

What do you have to do? Just keep working toward great financial health!


Save more of your money with the elimination of common fees that many other banks charge. Along with no annual fee, we charge no balance-transfer, cash-advance or foreign-transaction fees.

  • No annual fee

  • 0% Intro APR on purchases and balance transfers for the first 12 months. After that, your rate is variable, currently ranging from 9.15% to 20.15% based upon your credit-worthiness.**

  • One of the nation's lowest APRs after the introductory period

  • No balance-transfer fee

  • No cash-advance fee

  • No foreign-transaction fees and other travel abroad perks

Frequently Asked Questions

Everything but the Kitchen Sink

As a credit union, BECU genuinely is looking out for your benefit. We created a credit card that genuinely 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 traditional credit card:

  • Warranty Manager
  • Roadside Dispatch
  • Worldwide Automatic Travel Accident insurance
  • Travel and Emergency Assistance Services
  • Auto Rental Collision Damage Waiver
  • Visa Account Updater

*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).

**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 9.15% to 20.15%, based on your credit worthiness and product selection. This APR will vary with the market based with Prime Rate.

Credit Card programs, services, rates, terms and conditions are subject to change without notice. Contact BECU for the most current information.