becu credit card and 

Matt F., Lake Stevens

credit Card rates

rates as low as

APR Effective 11/12/2017*


BECU Visa Credit Card

Variable Rate


BECU Cash Back 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


BECU helps you take charge of your financial future by offering a no-annual-fee Visa card with one of the lowest interest rates out there. Taking on a big purchase? Managing fluctuating income? That low rate comes in handy when you need to carry a balance on your card.

BECU Cash Back Visa

We made it easy – no tiered cash back or complicated math. It's 1.5% back on all your purchases**: your gas, your coffee, your new eBook, your salad at lunch …. There's no swapping cards for this reward or that reward – it's 1.5% back, plain and simple. So stop chasing changing rewards – or rotating categories - and get the card that earns you cash.

Crunching the Cash- Back Numbers 

  • No limit to how much you can earn
  • No enrollment or annual fee
  • No complicated redemption rules or procedures
  • Yes to earning 1.5% back on all of your purchases

Learn more about our Cash Back Visa

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 Visa Top Benefits

  • 0% intro APR on purchases and balance transfers for the first 12 months after account opening. After that, your rate is variable, currently ranging from 7.90% to 21.90% based upon your credit-worthiness.*

  • No annual fee

  • No foreign transaction fee

  • No balance transfer fee

  • No cash advance fee

  • Worldwide travel accident and auto rental insurance

  • Rates that can decrease with improved credit

  • Extended warranties on purchases

  • Price protection for up to 60 days

  • 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. 
** For complete details about BECU Cash Back Rewards, please view the Terms & Conditions (pdf).
*** $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.