Cash Back Credit Card
Rates as low as 17.74% APR
Cash Back Credit Card
Earn 1.5% cash back on purchases3 plus you could get a $100 bonus if you spend $2,000 on purchases the first 3 months of account opening.4
Cash Back Card Benefits
1.5% Cash Back plus $100 Sign-Up Bonus
Earn 1.5% cash back on purchases, anywhere you shop.3 Plus, you could get $100 after you spend $2,000 on purchases with your cash back credit card in the first 3 months of opening your account.4
Avoid Common Fees2
- No Annual Fee
- No Balance Transfer Fees
- No Cash Advance Fees
- No Foreign Transaction Fees
Rates as Low As
Using Credit Responsibly Helps Your Financial Health
A BECU Cash Back Credit Card gives you the tools to improve your financial health:
Price Protection: If you purchase an item that drops in price within 60 days, get that price difference – up to $500 per item – refunded. Refer to the Cash Back Credit Card Benefits for details.
Option to set up recurring payments so you never miss a due date.
Avoid missed payments when your card expires with Automatic Bill Updater.
Establish an even stronger credit score with timely payments.
Cash Back Credit Card Perks
We created a credit card that serves your needs and includes additional benefits.
Shop and Travel with Confidence
- Price Protection and Extended Warranty Protection
- $500,000 automatic travel accident insurance
- Emergency assistance services, including roadside dispatch
- Lost luggage reimbursement & baggage delay protection
- Trip cancellation/Trip interruption coverage
Robust Security Features
- Credit card fraud alerts
- Stay informed of identity theft with NortonLifeLock™ ID Navigator
- Contactless tap technology credit card
- EMV security chip
Choose Your Cash Back Credit Card Design
Are you a proud Husky, Cougar, or Boeing employee? Show your pride with one of our iconic credit card designs.
Frequently Asked Questions
New to BECU?
You can apply for the BECU Cash Back Credit Card in-person at any of our Neighborhood Financial Centers. In order to submit an online application, you'll first need to apply for BECU membership1 and enroll in Online Banking. Once you've got Online Banking set up, you can apply after you log in.
Current BECU member?
Simply log in to Online Banking and select Apply for Credit Cards & Loans from tabbed options. If you are looking for a business credit card, see our business credit cards page for more information.
New to BECU?
You can apply for the BECU Cash Back Credit Card in-person at any of our Neighborhood Financial Centers. In order to submit an online application, you'll first need to apply for BECU membership1 and enroll in Online Banking. Once you've got Online Banking set up, you can apply after you log in.
Current BECU member?
Simply log in to Online Banking and select Apply for Credit Cards & Loans from tabbed options. If you are looking for a business credit card, see our business credit cards page for more information.
Members can log in to Online Banking and select Check Loan Status from the tabbed options.
Members can log in to Online Banking and select Check Loan Status from the tabbed options.
If your application is approved and all required documents have been obtained, your credit card will arrive in the mail within 5-7 business days. To request a PIN, call 888-886-0083 and follow the instructions. PIN changes may be requested 24 hours a day, seven days a week and are effective immediately.
If your application is approved and all required documents have been obtained, your credit card will arrive in the mail within 5-7 business days. To request a PIN, call 888-886-0083 and follow the instructions. PIN changes may be requested 24 hours a day, seven days a week and are effective immediately.
Compare Our Cards
Cash Back Credit Card
Current Card
For cardholders who prefer cash back rewards and pay off their balance monthly.
- Unlimited 1.5% cash back on all purchases3
- You could earn a $100 cash back bonus after you spend $2,000 on purchases in the first three months of account opening4
- No annual, cash advance, and balance transfer fees2
Low Rate Credit Card
For cardholders who carry a balance from month to month and are looking for the lowest interest rate possible.
- Rates as low as 13.74% variable APR
- 0% Introductory APR for your first 12 months, after which your rate will range from 13.74% - 24.74% variable APR.5
- No annual, cash advance, and balance transfer fees2
Secured Credit Card
For cardholders with little to no credit history who want to build their credit score.
- Choose between a secured Low Rate Card or secured Cash Back Card
- Approval is often easier (although not guaranteed)
- No annual, cash advance, and balance transfer fees2
*See important information about rates, fees and other costs.
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.
2BECU's credit card rates in effect as of 12/1/2024 range from 13.74% to 26.74% 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.
3Balance transfers, cash advances, and cash-like transactions do not qualify as purchases.
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.
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 13.74% to 24.74%, based on your creditworthiness and product selection. This APR will vary with the market based with Prime Rate. Introductory offers not available for existing BECU credit card holders, 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. It may take up to 7-10 business days to post balance transfers, so you may need to make payments to your other account(s) to keep them current. Balance transfers cannot be used toward amounts you owe BECU and will not earn reward points or cash back. 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 request, BECU reserves the right to convert the transaction to a Cash Advance. BECU may decline one or more requests in whole or in part. Balance transfers are contingent upon the available credit on your credit card account. In the event that your requests exceed the amount we approve to process, we will fulfill your requests in the order provided in your response. We are not obligated to fulfill a request if any part of the request would exceed your credit limit. BECU does not charge Balance Transfer fees. We will apply minimum payments at our discretion, and we will apply amounts that exceed the minimum payment amount due to balances with the highest APRs first. Please ensure information about the accounts to be paid-off is correct. If you provide inaccurate information in the requested fields, the balance transfer process may be delayed. If a payment is sent to an incorrect company, you may need to work with that company to recover the funds.