BECU Visa: Low rates, fewer fees, greater rewards

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Low Rate Means Low Worry

Why BECU? Because as a not-for-profit credit union, BECU puts you first with one of the best credit card values in the country. In fact, we offer one of the lowest rates in the nation. That low rate can be essential for the times when you need to carry a balance or make larger purchases. Offering one of the lowest rates simply helps our members – and helping members is what we're all about.

Not receiving the lowest rate we offer? We even offer an opportunity to improve your APR. We periodically review the payment history and credit scores of our cardholders. If you've improved your credit score sufficiently and your account is in good standing, you may earn a better rate (if you're not already receiving our lowest rate). We'll update your APR and let you know. What other financial institution does that?

The Savings

  • Enjoy one of the lowest rates in the nation
  • Enroll automatically in our reprice program 

The Rewards

  • Enroll in BECU Rewards and we will waive the $25 annual participation fee for the first year1
  • Earn 1 point for every dollar in qualified purchases
  • Redeem points as you see fit
  • No limits on the amount of points you can earn2

The Benefits

  • No annual fee
  • No balance transfer fee
  • No cash advance fee 

The Security


  • $0 fraud liability
  • Online shopping protection from CardProtect
  • Optional loan payment protection
With a better credit rating, get a better rate
Credit Rating Starting Rate
Superior
7.90% APR variable
Excellent
9.90% APR variable
Good
11.90% APR variable
Fair
13.90% APR variable
Low
18.90% APR variable

1 $25 Annual Participation Fee for BECU Rewards applies after first year.

For complete details about BECU Rewards, please view the Terms & Conditions  (pdf).

We periodically evaluate the credit rating of each member who has a credit card, personal line of credit, personal loan, auto loan, boat loan or RV loan with BECU. If you've improved your credit score sufficiently and your account is in good standing, you may earn a better rate (if you're not already receiving our lowest rate).

Credit Card programs, services, rates, terms and conditions are subject to change without notice.  Contact BECU for the most current information.