Visa® Balance Transfer


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At BECU, the interests of our members come first. That's why we offer credit cards with one of the lowest rates, which can actually go down if your credit score improves.**


Save more of your money with the elimination of common fees that many other banks charge. Along with no annual fee, we charge no balance-transfer, cash-advance or foreign-transaction fees.

  • No annual fee
  • 0% Intro APR on purchases and balance transfer for the first 12 months. After that, your rate is variable, currently ranging from 7.99% to 19.99% upon your credit-worthiness.*
  • One of the nation's lowest APRs after the introductory period**
  • No balance-transfer fee
  • No cash-advance fee
  • No foreign-transaction fee

*0% Introductory Annual Percentage Rate (APR) on purchases for twelve (12) months from date of account opening, and 0% introductory APR on balance transfers for twelve (12) months when completed within ninety (90) days of account opening. After that your APR will be from 7.99% to 19.99%, based on your credit worthiness and card selection. This APR will vary with the market based on the Prime Rate.

**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).

***See important information about rates, fees and other costs.