Cash Back Credit Card Benefits

Peace-of-Mind Comes With One Card

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The BECU Cash Back Credit Card1 provides benefits for cardholders that are in addition to our BECU Low Rate Credit Card So, on top of all the perks traditional cardholders receive, members using the Cash Back credit card enjoy Price Protection, Baggage Delay Protection, Lost Luggage Reimbursement, and Trip Cancellation/Trip Interruption benefits.

Now that's a truly rewarding card.

Know Before You Pay

  • Purchases are only covered when the entire purchase (not a portion) is charged to the BECU Cash Back Credit Card.

  • Benefits are accessed by simply contacting the provider. Find the contact info here.

  • If you're not sure what is covered under your card's benefits program, please ask

  • Every BECU credit card has varying benefits! Ensure you are reviewing the benefits that match your card. This page describes benefits specific to the BECU Cash Back Credit Card.

  • Be sure to bookmark and refer to the Visa Guide to Benefits for complete terms, conditions, and benefit details. With so many extra benefits, it helps to keep this information on hand.

  • Additional questions? Contact us.

If your baggage is delayed or misdirected for more than four (4) hours from the time you arrive at your destination, you're eligible to receive a reimbursement up to $100 per day with a maximum of three (3) days (or $300) on everything from your clothes to shoes to even that teddy bear your niece had to have.

What items are not covered? Refer to the Visa Guide to Benefits for a complete list of what isn't covered by the Baggage Delay Protection.

ID Navigator Powered by NortonLifeLock is a service that provides credit card holders with the tools to help stay informed of potential threats to their identity.1

  • Dark Web Monitoring continuously patrols the dark web and private forums looking for personal information that may belong to you. Should it be found, notifications are sent with suggested steps.
  • Data Breach Notifications sends notifications on large-scale breaches so you can act quickly should a breach affect your personal information.
  • Stolen Wallet Assist A stolen wallet can mean a lost identity. If your wallet is stolen you will receive guidance to help you cancel or replace key documents like your credit cards, driver's licenses, Social Security cards, insurance cards and more.
  • One-Bureau Credit Monitoring Alerts helps you stay on-top of your credit to help detect fraud more quickly, alerts are sent when key changes are made to your credit file with a major credit bureau.2
  • Credit, Bank & Utility Account Freezes provides instructions and links so you can quickly freeze credit, financial institution and utility files with each consumer reporting company to help protect you against criminals opening unauthorized accounts in your name.
  • Restoration Assist U.S.-based Identity Restoration Specialists are available Monday to Friday 6 a.m. – 5 p.m. PT with guidance and with next steps to assist you should you become a victim of identity theft or other suspicious activity. Note: Visa Cardholders will have access to special discounts if they are interested in purchasing a more robust identity theft offering that includes features such as the LifeLock Million Dollar Protection™ Package.
  • U.S.-based Member Services & Support is available Monday to Friday 6 a.m. – 6 p.m. PT; and Saturday 7 a.m. – 1 p.m. PT.

NortonLifeLock™ is the benefit provider and is solely responsible for the program and all its associated services. Neither Visa, BECU nor Asurion, LLC shall have any responsibility or liability in connection with NortonLifeLock™ rendering of the service.

To confirm eligibility and enroll, visit

1 No one can prevent all identity theft.

2Two requirements must be met to receive the One-Bureau Credit Monitoring feature: (i) your identity must be successfully verified with Equifax; and (ii) Equifax must be able to locate your credit file that contains sufficient credit history information. If these requirements are not met, you will not receive credit features from Equifax. You will receive Credit Features once the verification process is successfully completed. Any credit monitoring from Equifax will take several days to begin after your successful plan enrollment.

You took care packing that bag, now we take care of you if it's lost! If your checked luggage is lost by the carrier or stolen, you may be eligible to receive a reimbursement of up to $1,250.*

Please Note: Cardholders must take all reasonable means to protect, save and/or recover their checked luggage at all times. Coverage is secondary to and in excess of any common carrier- provided benefits.

*Some restrictions may apply. Subject to the terms and conditions in the BECU Visa Guide to Benefits.

Bought something, only for the price to drop just days later? Great news: The waiting game is over. Buy what you like, when you like. Your BECU Cash Back Visa offers protection on the price of an item for 60 days after you buy it. That's sixty days for an item you purchased to drop in price, and for you to get that price difference – up to $500 per item – refunded.

The item must be purchased in the United States. You can receive a total refund of up to $2,500 a year*.

Please Note: Price Protection is secondary to and in excess of store policies offering a lowest-price guarantee or any other form of refund for price differences.

*Some restrictions may apply. Subject to the terms and conditions in the BECU Visa Guide to Benefits.

Roadside Dispatch is a pay-per-use roadside assistance program.  It saves you money over traditional roadside assistance programs, providing security and convenience wherever your travels take you. From towing to tire changing, jump starting to lockout service, standard winching and even fuel delivery. Click here to get the help you need.

*Roadside Dispatch may have additional fees for service. All fees will be informed prior to participation.

Pack your peace-of-mind and leave your worries behind. Cardholders are connected with their needed resources when traveling 24 hours a day, 365 days a year. Benefits include everything from emergency ticket replacement and lost luggage service, to translation services and even prescription assistance.

Trip cancelled due to injury or illness? Now the only thing you're out is lost memories – not lost cash, too. In the event your trip is cancelled or interrupted due to injury, illness, or another covered benefit, you will be reimbursed for up to $2,000.*

*Some restrictions may apply.  Subject to the terms and conditions in the BECU Visa Guide to Benefits. For complete coverage details, refer to the BECU Visa Guide to Benefits

Visa Account Updater (VAU) is a free service that helps you avoid missed payments when your credit card expires. The VAU service updates your BECU credit card expiration date and account number with participating merchants, such as subscription services, online retailers, or utility companies.

Ensure your new purchase goes the distance with your Visa card's Extended Warranty Protection, allowing you to manage and even extend potential warranties beyond their original protection.

Access these features with a simple toll-free call found here.

Not only does the card cover insurance if you cancel the trip, but insurance when you're on the trip! What's more, the coverage applies no matter what corner of the world you're in. Simply pay for your airline, cruise line, or  train travel with your BECU Visa and be eligible to receive travel accident insurance up to $500,000.*

*Some restrictions may apply. Subject to the terms and conditions in the BECU Visa Guide to Benefits.

Your Questions, Answered 

We love talking to our members! Need to learn more about your covered benefits or how to access them? Contact the provider for each benefit. Contact info (and more details) is found by clicking here.

Need additional help from BECU? Call us: 800.233.2328. You can also send us a secure message on the BECU app, or when logged into Online Banking.

Approval 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.

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

2 BECU's credit card rates in effect as of 04/01/2024 range from 16.24% 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 credit worthiness.