No annual fees, with low rates
and great rewards

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Credit Cards

rates as low as

APR Effective 5/1/2016*


BECU Visa Credit Card

Variable Rate

*See important information about rates, fees and other costs

Low rates and great rewards—what's not to love?

Low rates

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.

Balance Transfers

We offer 0% introductory APR on purchases and balance transfers for the first 6 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.

Free yourself from fees

  • No annual fee

  • No foreign transaction fee

  • No balance transfer fee

  • No cash advance fee

BECU Reprice Program

We believe in second chances. The BECU reprice program is just that – a second chance. Improve your credit score and/or payment history, we may “reprice” your credit card with a new, lower APR (if you're not already receiving the lowest rate we offer).***


Your EMV Questions, Answered

EMV technology is coming to your debit cards! Find out what’s changing, what you should do, and when you will get your new card.

Learn more

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

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. Visit our Rewards website to learn more

Check out these great rewards

  • Cash back
  • Travel
  • Gift cards
  • Household items
  • Electronics and more!

Digital Payments

Wallet, Meet Technology

Why digital wallets? Discover surprising benefits of one of today’s most convenient way to pay.

Find out more

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.

  • $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

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.


Free BECU seminars and webinars

Have questions on financial topics? Find the help you need.

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.

Make an appointment

Looking to the Future

Building Credit

Read more
Getting it Right

Understanding Your Credit Report

Read more

*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.

*** BECU periodically evaluates the credit rating of each member who has a credit card, line of credit or auto loan with BECU. If your score has improved sufficiently and your account is in good standing, we will look at reducing your rate (if you're not already receiving our lowest rate).