Our lowest rate, no annual fee
Enjoy a 0% introductory APR for 12 months with our lowest rate credit card. Applies to purchases within the first year, and balance transfers within the first 90 days. After that, interest rates range from 12.74 - 21.74% APR.2,3 See rates and details.
Reach your goals faster with our lowest rate credit card
Apply today for our Lift Low Rate Credit Card with 0% intro APR on purchases and balance transfers to help you save on interest.
0% intro APR
Spend confidently
No annual fees
Additional benefits
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Extended warranty protection
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Roadside dispatch®
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Worldwide automatic travel accident insurance, plus travel and emergency assistance services
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Trip cancellation and interruption coverage and lost luggage reimbursement
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Spend confidently with built-in fraud protection and account alerts
See your prequalified offers in minutes
You could enjoy the advantages of a credit card backed by a credit union that puts its members first.1
Low Rate Credit Card FAQs
This low rate credit card is ideal for consolidating high-interest credit card debt and saving on interest. Get a 0% intro APR for 12 months on purchases and qualifying balance transfers made within the first 90 days, with no balance transfer fee to help you pay down debt faster. After that, a competitive variable APR of 12.74% to 21.74% applies.
No, the Lift Low Rate Credit Card does not have an annual fee, giving you breathing room to focus paying down debt.
To prequalify for a BECU credit card, simply click “Check my prequalification” and provide a few basic details. The process takes only a few minutes and BECU uses a soft credit inquiry to determine your eligibility, which does not impact your credit.
You can apply for the BECU Low Rate Credit Card by submitting an application online, through Video Banking, or in person at any of our Neighborhood Financial Centers. If you're a current BECU member, simply log in to Online Banking and select 'Apply for Credit Cards & Loans'. If you are not a current member, qualifying for a credit card at BECU requires membership, which can be done as part of your credit card application.
The Lift Low Rate Credit Card charges a 4% balance transfer fee and 0% intro APR for 12 months on balances transferred in the first 90 days of account opening.
Smart credit starts here
Make the most of your credit card spending and learn how to strengthen your financial health.
