Apply for a Special WSU Credit Card
Show your Cougar pride every time you swipe.
The WSU Credit Card
Pay with a credit card that shows your Cougar spirit wherever you go. BECU credit cards offer valuable benefits to fit every lifestyle and financial profile. Whether you prefer cash back or a low APR, there's a BECU credit card for that.
BECU Cash Back Rewards Credit Card Benefits
- Unlimited 1.5% cash back on every purchase.2
- Earn a $200 cash back bonus after you spend $2,000 on purchases in the first three months of account opening.3
- Variable rates as low as 16.49% APR.
- No annual fee, balance transfer fee or cash advance fee.4
BECU Low Rate Credit Card Benefits
- Variable rates as low as 12.49% APR.
- 0% APR for your first 12 months for purchases, and for any balance transfers made within the first 90 days of opening your account. After which your variable interest rate will range from 12.49% to 23.49%.5
- No annual fee.4
- No balance transfer fees.
- No cash advance fees.
You can also make an appointment to apply in person at your nearest BECU location, call us at 800-233-2328.
Not a member? You can apply for membership and see how you can save more.2
All Pacific NW residents and WSU Alumni Association members are eligible for BECU membership.
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. A cash back redemption will appear as a statement credit, which reduces the balance on your Cash Back credit card account. A cash back redemption does not constitute a credit toward your minimum monthly payment. Your minimum monthly payment must still be made when you receive a cash back redemption. If applicable, your automatic payment will not be stopped or altered by redeeming cash back rewards.
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 8/1/2026 range from 12.49% to 25.49% 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.
50% 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 range from 12.49% to 23.49% variable APR, based on your credit worthiness and product selection. This APR will vary with the market based with Prime Rate.
Special Notice About Balance Transfers: Once your 12-month 0% introductory purchase APR or your 12-month 0% introductory balance transfer APR ends, there is no grace period on your balance transfers. If you take advantage of this balance transfer offer, you will be charged interest on purchases unless your purchase APR is at a promotional 0% APR. To avoid interest on new purchases after your transfer a balance, you must pay all balances on your account, including balances you transfer under this offer, in full by the first payment due date.