becu credit card and 

Matt F., Lake Stevens

credit Card rates

rates as low as

APR Effective 9/1/2017*


BECU Visa Credit Card

Variable Rate

*See important information about rates, fees and other costs

Making a Difference by Charging you Less

As a not-for-profit credit union, BECU puts people ahead of profit. So, it only makes sense that the BECU Visa(R) credit card represents one of the best credit card values in the country—with low rates, fewer fees and great rewards.

Visa Card with Chip

0% Introductory APR1 on Purchases

0% Introductory APR on Purchases for twelve (12) months from the date of account opening—after that, rates that currently range from 7.90% to 18.90% variable APR, based on your creditworthiness.

0% Introductory APR1 on Balance Transfers

0% Introductory APR on Balance Transfers for twelve (12) months from the date of transfer when transfers are completed within 90 days of account opening-after that, rates that currently range from 7.90% to 18.90% variable APR, based on your creditworthiness.

Get a $50 Gift Card* Upon Approval

Amazon Card

Receive a complimentary $50 Gift Card after your application is approved. Just enter AMAZON in the promo code field when you apply.

BECU Rewards

Earn 1 point for every dollar you spend, and redeem those points for a reward that fits your lifestyle—travel, airline tickets, gift cards, merchandise, or even cash back. Redeem for rewards with as few as 2,500 points.2 It's that simple. There are no tiers to meet and no limit to how much you can earn.

Check out these great rewards

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

Enroll in BECU Rewards when you apply for your new BECU Visa and we'll waive the $25 annual participation fee for the first year. 3

Learn more about BECU Rewards

Top Benefits

  • No annual fee

  • No foreign transaction fee

  • No balance transfer fee

  • No cash advance fee

  • Worldwide travel accident and auto rental insurance

  • Extended warranties on purchases

  • Travel and emergency assistance

Your Financial Security Matters

  • $0 fraud liability
  • Online shopping protection from CardProtect
  • Optional loan payment protection

Introductory offer for balance transfers is from the date of transfer, when transfers are completed within 90 days of account opening. 
2 For complete details about BECU Rewards, please view the Terms & Conditions (pdf).
3 $25 Annual Participation Fee for BECU Rewards applies thereafter.
*$50 Gift Card Offer: To receive this one-time Gift Card, you must (1) establish a BECU membership or currently be a BECU member; (2) apply for a BECU Visa card using the promo code "AMAZON"; and (3) be approved for and activate a BECU Visa card. Within 30 to 45 days after activation, the gift card number will be emailed to the primary cardholder's email address on file at BECU. If there is no email address on file at BECU, the gift card number will be mailed to the primary cardholder's address. This offer is subject to credit card approval and your new BECU Visa card account must be open and in good standing at time of fulfillment to receive the $50 Gift Card and may be reported to the IRS on form 1099MISC. This gift card offer is available only to new BECU Visa card accounts booked through this special offer. Existing BECU Visa cardholders are not eligible for this offer. Offer is limited to one $50 Gift Card per person. is not a sponsor of this promotion. Except as required by law, Gift Cards ("GCs") cannot be transferred for value or redeemed for cash. GCs may be used only for purchases of eligible goods at or certain of its affiliated websites. For complete terms and conditions, see GCs are issued by ACI Gift Cards, Inc., a Washington corporation. All Amazon ™ & © are IP of or its affiliates. No expiration date or service fees.