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CougsFirst and Coug Fan Special Offers

We partner with CougsFirst and Cougfan to bring you special offers.

BECU Credit Card Offers

BECU Credit Card Offers

You could receive a $150 bonus when you choose the BECU credit card that works for you.1 BECU credit cards offer valuable benefits to fit every lifestyle and financial profile. Whether you prefer cash back or a lower 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 $300 cash back bonus after you spend $3,000 on purchases in the first three months of account opening.3
  • Variable rates as low as 16.24% APR.
  • No annual fee, balance transfer fee or cash advance fee.4

BECU Low Rate Credit Card Benefits

  • Variable rates as low as 13.24% 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 13.24% to 25.24%.5
  • No annual fee.4
  • No balance transfer fees.
  • No cash advance fees.
Apply Now

Be sure to use promo code: COUGCARD when you apply.

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

Offer valid 1/1/2024 to 12/31/2024.

Federally insured by NCUA.

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. Offer valid January 1 through December 31, 2024, and redeemable at any BECU location and online. For new BECU credit card holders only, age 18 and older. This offer is not available to: (i) current BECU cardholders, or (ii) previous cardholders who received a new cardholder bonus within the last 12 months. BECU is not required to pay the promotional incentive for cards opened without the appropriate Promo Code. Other terms, limitations, and conditions apply. Cannot be combined with any other offers. Limit one bonus per member. Check with BECU for current Annual Percentage Yield (APY) of accounts. The $150 bonus deposit to your Member Share savings account will occur within 120 days of establishing the qualifying account. Account must be open and in good standing at time of fulfillment to qualify. Bonus will be reported to the IRS on form 1099MISC at year end as interest income. BECU reserves the right to terminate this offer at any time.

2Cash advances and cash like transactions do not qualify as purchases.

3$300 CASH BACK AFTER SPENDING $3,000 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. The additional $300 cash reward is not available to individuals who currently have a Traditional or Points Rewards Visa and switch to a Cash Back Rewards Visa or to individuals who have opened a different Cash Back Rewards Account within the previous 12 months. You will receive $300 cash back credit which you must redeem. To qualify and receive your bonus, you must make purchases totaling $3,000 or more in the first 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 3/1/2024 range from 13.24% to 27.24% 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 be from 13.24% to 25.24%, based on your credit worthiness and product selection. This APR will vary with the market based with Prime Rate.

Introductory offers not available for BECU Secured or Student Credit Cards. Introductory offer for balance transfers is from date of transfer, when transfers are completed within 90 days of account opening. You may not make Balance Transfers payable to cash, to you, to any individual, to a deposit account, or to any BECU loan account and, if you do make any such Balance Transfer, BECU reserves the right to convert the transaction to a Cash Advance.

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.