a woman holding a credit card and a phone

BECU Low Rate Credit Card

The BECU credit card has a great low rate on every purchase.

Join BECU & Apply
Members Log In & Apply

Credit Card Rates as Low As

APR Effective 11/1/2024*

13.74
%
APR

Low Rate Credit Card

Variable Rate

*See important information about rates, fees and other costs

Join BECU & Apply
Members Log In & Apply

Or, visit a Neighborhood Financial Center

Enjoy a Low Rate with No Annual Fee

Low Rate Credit Card Benefits

  • New Cardholders: 0% for 12 months introductory APR on purchases within the first year and balance transfers completed within the first 90 days of account opening. After the intro APR offer ends, your rate will range from 13.74% to 24.74%.1
  • No annual fee.2
  • No balance transfer fees.
  • No cash advance fees.
  • No foreign transaction fees and other Visa Card benefits.
BECU Low Rate Credit Card
BECU Low Rate Credit Card

Members may become eligible for an even lower rate by making timely payments and maintaining a healthy credit score. Learn more about our Loan Reprice Program.

Frequently Asked Questions

New to BECU?
You can apply for the BECU Low Rate 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 membership 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.

BECU offers four different designs to choose from for the BECU Low Rate and Cash Back credit cards.

Learn more about BECU credit card designs

Members can log in to Online Banking and select Check Loan Status from the tabbed options.

BECU offers a low-rate and a Cash Back credit card that offers 1.5% cash back on every purchase. BECU also offers affinity card designs. To see the full list of credit card products, visit our Credit Card page.

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.

FAQs for Existing Card Holders

Compare BECU Credit Cards

No matter which card you choose, all BECU credit cards offer great benefits that are designed to directly benefit you, the member, and not our bottom line.

BECU Low Rate Credit Card

  • No annual or cash back advance fees.
  • New Cardholders: 0% introductory APR for 12 months on purchases completed in the first 12 months and balance transfers completed within the first 90 days of account opening.
  • Choose from four card design options.

BECU Cash Back Credit Card

  • Unlimited 1.5% cash back.
  • No annual or cash back advance fee.2

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

  • Choose from four card design options.

Pick the One That's Right for You

1.5% Cash Back New Cardholders
BECU Low Rate Credit Card
No
Introductory 0% APR for your first 12 months for purchases, and for any balance transfers made within the first 90 days of opening your account.*
BECU Cash Back Credit Card
Yes
Earn a $100 cash back bonus after you spend $2,000 on purchases in the first three months of account opening.

*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.

Already have our BECU Cash Back Credit Card but interested in switching to a BECU Low Rate Credit Card? Members don't need to reapply — just give us a call at 800-233-2328, send us a secure message in Online Banking, or stop by a Neighborhood Financial Center.

Additional BECU Credit Card Benefits

We created a credit card that serves your needs and includes additional benefits, such as fraud and travel protection.

Check out the list below for the additional perks of a BECU credit card:

Set up Monthly Recurring Payments

There are two ways to automatically pay your credit card every month from a BECU account:

  1. Fill out a Visa Automatic Change Request form and return it to a location near you, or
  2. Use DocuSign to electronically request monthly recurring payments

Automatic credit card payments can only be set up from a BECU checking, money market, or savings account.

Call 800-233-2328 for additional assistance.

Balance Transfers

Transfer high-interest debt to your BECU credit card with just a few clicks in Online Banking.

Please note that 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.

Transfer a Credit Card Balance

Loan Payment Protection Program

The Loan payment protection program (LPP) provides financial assistance during times of hardship. LPP is an optional benefit offered through BECU.

  • Provides minimum monthly credit card payments in case of involuntary job loss, disability or loss of life.
  • Monthly program cost is based on loan balance and package options.

To apply, call us at 800-233-2328 and ask about getting LPP added to your loan. View the Credit Card Loan Payment Protection Contract.

Related Links

BECU Credit Card Benefits

Credit Card Benefits

BECU Visa is a great card that includes warranty protection, roadside assistance, and lost luggage services.

*See important information about rates, fees and other costs

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 0% 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 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.

2 BECU's credit card rates in effect as of 11/01/2024 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.

3 $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.

4 We periodically evaluate the credit rating of each member who has a credit card, personal line of credit, personal loan, auto loan, boat loan or RV loan with BECU. If you've improved your credit score sufficiently and your account is in good standing, you may earn a better rate (if you're not already receiving our lowest published rate).

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