Credit Cards

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Credit Cards

rates as low as

APR Effective 10/1/2016*


BECU Visa Credit Card

Variable Rate

*See important information about rates, fees and other costs

Low rates and great rewards

Our rates are among the best in the country. That means you pay less in interest on your outstanding balances than you would with other cards.

Free yourself from fees

NO annual fee or foreign transaction, balance transfer and cash advance fees. What's not to love?

Balance Transfers

We offer 0% introductory APR on purchases and balance transfers for the first 12 months.* After that, your rate is variable, currently ranging from 7.15% to 18.15% based upon your credit - worthiness.** To learn more about balance transfers contact BECU at 800-233-2328.

Earn a better rate

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). We'll update your APR and let you know.

Great rewards

Our BECU Rewards lets you earn one point for every dollar spent on qualifying purchases. There are no limits to the amount of points you can earn, and you can redeem for cash back, gift cards, electronics, sports and entertainment, travel, and more.

Learn more about BECU Rewards

And you can feel good about using it

When you use your BECU Visa credit card, we take care of you. Our cardholders get security for online shopping through Verified by Visa, 24-hour fraud protection, travel and accident insurance, and warranty extension for purchases. And we'll be there with 24/7 customer service whenever you need us. Register for Verified by Visa.

  • $500,000 Worldwide Travel Accident Insurance
  • Auto Rental Collision Damage Waiver
  • Extended Warranty
  • Travel and Emergency Assistance Services
  • Get added protection when making online purchases with CardProtect-Verified by Visa

Card design options

BECU Visa® Credit Card

Our traditional card design available to all BECU Visa® card holders. Clean, and classic.


BECU UW Visa® Credit Card

Show your school pride every time you pay: BECU is proud to offer the official credit card of the University of Washington. Represent the dawgs while receiving the same great benefits as our traditional BECU Visa® credit card.

UW Visa Card

Boeing employees and retirees

Get the same great benefits of the BECU Visa® Credit Card, but with exclusive Boeing-inspired designs. Choose from two available card designs when you apply.

Boeing Commercial Visa
Boeing Defense Visa

Use this calculator to figure out if consolidating debt is best for you

Interested in Loan Payment Protection?

After loan financing is complete you may add Loan Payment Protection to your loan by calling us at 800-233-2328 or by visiting a BECU Neighborhood Financial Center.

Got questions? Let's chat.

We know that making the right choices about personal credit is important. If you have questions, call 800-233-2328 or come see us. We'll go over your options in detail, so you can make the decision that's right for you.

*Introductory offer for balance transfers is from the date of transfer, when transfers are completed within 90 days of account opening.

**$25 Annual Participation Fee for BECU Rewards applies thereafter.  For complete details about BECU Rewards, please view the Terms & Conditions.