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BECU Credit Cards

BECU credit card rates are great.

BECU Credit Cards

Our credit cards stand out from the pack with benefits such as competitive rates, few fees and great rewards. See what each card offers.¹

Low Rate Credit Card

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  • Great everyday interest rates.

  • No annual fee.3

  • New Cardholder Offer: 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, your rate will range from 14.24% to 25.24% variable APR.2

Cash Back Credit Card

A smiling woman holding her glasses and a book. An image of the BECU Cash Back Credit Card.

  • Unlimited 1.5% cash back.

  • No annual fee.3

  • Earn a $100 cash back bonus after you spend $2,000 on purchases in the first three months of account opening.4

Secured Credit Card

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  • No monthly or annual fees.3

  • Can help establish or re-establish good credit history.

  • May improve credit score.

Affinity Partner Credit Cards

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  • Show your pride.

  • Boeing, UW and WSU card designs are available.

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.

20% 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 14.24% to 25.24% variable APR, based on your creditworthiness 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.

3BECU's credit card rates in effect as of 09/01/2024 range from 14.24% 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.

4$100 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 $100 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.