No annual fees*, with low rates and great rewards

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Credit Cards

rates as low as

APR Effective 3/30/2015*


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.

Visa Card

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.

Interested in consolidating debt? Transferring a balance to your BECU Visa can be a great way to save money on outstanding balances. And there's no balance transfer fee.

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.


Simplify Your Shopping with Apple Pay™

Add Your BECU Credit or Debit Card to Apple Pay

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

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Looking to the Future

Building Credit

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Getting it Right

Understanding Your Credit Report

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*Transaction fees apply: cash advance fee of 2% of the amount of the cash advance, not to exceed $10, and foreign transaction fees of 1% of the US dollar amount of the foreign transaction. 

**Introductory offers not available for BECU secured or student credit cards. 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.