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No annual fees, with low rates
and great rewards

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bobby and dana o., seattle

Credit Cards

rates as low as

APR Effective 10/1/2015*


BECU Visa Credit Card

Variable Rate

*See important information about rates, fees and other costs

get flexibility, and more money in your pocket - it's  the one credit card that does it all

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

Let us introduce you to a great and local credit card

Whether you are looking for low rates or great rewards, the BECU Visa® credit card will meet your needs.

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.

We offer 0% introductory APR on purchases and balance transfers for the first 6 months.* After that, your rate is variable, currently ranging from 6.9% to 17.9% based upon your credit - worthiness.

Visa Card with Chip

Free yourself from fees

  • No annual fee

  • No foreign transaction fee

  • No balance transfer fee

  • No cash advance fee

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

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.

Time for a vacation? BECU Rewards points are worth 25% more for travel, so every purchase you make can get you closer to your favorite destination. Just 20,000 points will get you $250 towards a airline ticket, so it's easier than ever to get up and go with BECU Rewards. Plus redeem points for virtually any airline worldwide, there are no blackout dates, no 21-day advance purchases, Saturday night stay or round-trip requirements.

Signing up is easy: Just add BECU Rewards when you apply for your credit card, and we'll waive your $25 annual participation fee for the first year.** Learn more about the BECU Rewards program

Get Rewarded

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.

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

Ready to apply?

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.