BECU Credit Cards


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.


0% Introductory APR1 on Purchases

0% introductory APR on purchases for 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 12 months from the date of transfer when completed within 90 days of account opening. After that, rates currently range from 7.90% to 18.90% variable APR, based on your creditworthiness. 

Get a $100 Bonus* Upon Credit Card Activation

Receive a $100 cash bonus after your card is activated. Enter VISA100 in the promo code field when you apply.

BECU Rewards

Earn one 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.

Rewards include: 

  • Cash back
  • Travel
  • Gift cards
  • Household items
  • Electronics
  • Any 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 

1 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.

*$100 Cash Bonus Offer: To receive this $100 cash bonus, you must (1) establish a BECU membership or currently be a BECU member; (2) apply for a BECU Visa card using the promo code “VISA100”; and (3) be approved for and activate a BECU Visa card. Within 45 days after activation, the $100 will be deposited to the primary cardholder's savings account on file at BECU. 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 $100 cash bonus and may be reported to the IRS on form 1099MISC. This $100 cash bonus 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 $100 cash bonus per person.