BECU Credit Cards

A man paying with his Cash Back credit card
Join BECU & Apply

Cash Back Credit Card Benefits1

  • Unlimited 1.5% cash back on purchases.2

  • Earn a $200 cash back bonus after spending $2,000 on purchases in the first 3 months.3

  • No annual fee4

Our credit cards stand out from the pack with competitive rates, few fees, and great rewards.

Join BECU & Apply

1Approval subject to BECU membership, credit approval and other underwriting criteria; not every applicant will qualify. Credit Card programs, services, rates, terms and conditions are subject to change without notice. Contact BECU for the most current information. Your APR will vary with the market based on the Prime Rate. Please refer to the Credit and Security Agreement for the terms and conditions, fees, and charges, and other information regarding your credit card account.

2Balance transfers, cash advances, and cash-like transactions do not qualify as purchases.

3$200 CASH BACK AFTER SPENDING $2,000 IN PURCHASES WITHIN THREE (3) MONTHS from account opening: This offer is not available to either (i) current cardholders of this credit card, or (ii) previous cardholders of this credit card who received a new cardholder bonus for this credit card within the last 12 months, (iii) individuals who currently have a Low Rate or Points Rewards credit card and switch to a Cash Back Rewards credit card, or (iv) to individuals who have opened a different Cash Back Rewards account within the previous 12 months. You will receive $200 cash back credit which you must redeem. To qualify and receive your bonus, you must make purchases totaling $2,000 or more in the first three (3) months from account opening. (“Purchases” do not include balance transfers, cash advances, traveler's cheques, foreign currency, money orders, wire transfers, or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers, or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, any fees of any kind, including an annual fee, if applicable.) After qualifying, please allow up to 30 days for bonus to post to your cash back balance. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

4BECU's credit card rates in effect as of 12/1/2025 range from 16.74% to 25.74% variable APR and are subject to change without notice. The actual APR will be determined when you apply and will be based on your creditworthiness.