Low Rate Credit Card
You could save on interest with our lowest rate credit card with no annual fee.1, 3
Low Rate Credit Card Benefits
Rates as Low As
Introductory Offer
0% Introductory APR for 12 months, after which rates range from 12.49% - 23.49% variable APR.2
- 0% Intro APR for 12 months on purchases within the first year.
- 0% Intro APR for 12 months on balance transfers when completed within 90 days of account opening.2
No Balance Transfer Fees
- No fees on qualifying balance transfers.3
- No annual fee.
- No cash advance fees.
- No foreign transaction fees.
Help Build Your Credit with a Low Rate Card
A BECU Low Rate Credit Card gives you the tools that may help improve your financial health:
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Set up recurring payments so you never miss a due date.
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Consolidate debt with qualifying balance transfers.
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Establish a strong credit score with timely payments.
Added Security with Your Low Rate Credit Card
In addition to saving on interest with a 0% intro APR for twelve months, your BECU Low Rate Credit Card includes valuable travel and security benefits that help keep you protected wherever you go. See all benefits.
Enjoy Peace of Mind at Home and Abroad4
- Travel and emergency assistance services
- Worldwide automatic travel accident insurance
- Roadside dispatch
- Extended warranty protection
Features to Protect Your Account
- Credit card fraud alerts
- Stay informed of identity theft with NortonLifeLockTM ID Navigator
- Contactless tap technology credit card
- EMV security chip
Show Your Pride with Your Low Rate Credit Card
Whether you're a proud Husky, Cougar, or Boeing employee, you can personalize your BECU Low Rate Credit Card with a custom design that reflects your community. All of these cards offer the same great features, like no annual fee.
This card is great if you want to consolidate debt from high interest credit cards. The 0% Intro APR for 12 months on purchases, and on balance transfers if processed in the first 90 days of account opening, after rates range from 12.49% to 23.49% variable APR, can help you save on interest and give you the option to pay down debt faster. Plus, pay no balance transfer fee on qualifying transfers and enjoy a competitive rate once the intro period ends.
No. The card has no annual fee, no balance transfer fee, no cash advance fee, and no foreign transaction fee giving you breathing room to focus on paying down debt.
To qualify for a BECU Low Rate Credit Card, you'll need to join BECU if you're not already a member. Once your account is open, apply for the credit card in Online Banking. You'll receive a decision within 5 to 7 business days.
New to BECU?
You can apply for the BECU Low Rate 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 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.
Yes. If you're not a BECU member yet, you'll need to apply for BECU membership, enroll in Online Banking, and apply after you log in. If you're already a member, log in to Online Banking and select Apply for Credit Cards and Loans from the tabbed options.
Compare Our Cards: Low Rate, Cash Back and Secured
Low Rate Credit Card
Current Credit Card
Great if you carry a balance on a high interest credit card or want to consolidate multiple accounts.
- Rates as low as 12.49% variable APR
- 0% Intro APR for your first 12 months on purchases, and 0% intro APR on balance transfers if processed within the first 90 days of account opening, after rates range from 12.49% to 23.49% variable APR.
- No annual, cash advance, and balance transfer fees3
Cash Back Credit Card
If you pay off your balances in full every month and want to earn cash back rewards, The Cash Back Credit Card could be great for you.
- Unlimited 1.5% cash back on all purchases5
- Earn a $200 cash back bonus after you spend $2,000 on purchases in the first three months of account opening4
- No annual, cash advance, and balance transfer fees3
Secured Credit Card
If you have little to no credit history, a secured credit card can help you work toward improving your financial health with responsible usage.
- Choose between a secured Low Rate Card or secured Cash Back Card
- May improve your credit score and establish a good credit history
- No annual, cash advance, and balance transfer fees3
Is a BECU Low Rate Credit Card Right for You?
If you tend to carry a balance a BECU Low Rate Credit Card could help reduce the amount of interest you pay on your balance.
- Save with a promotional rate of 0% APR for the first 12 months on purchases, and 0% intro APR on balance transfers if processed within the first 90 days of account opening. After, rates range from 12.49% to 23.49% variable APR.
- Get rates as low as 12.49% variable APR after the promotional period ends.
- Pay no fees on qualifying balance transfers.
Related Credit Card Resources
*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 12.49% to 23.49%, 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 8/1/2026 range from 12.49% to 25.49% 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.