Low Rate Credit Card
Rates as low as 13.74% APR
Low Rate Credit Card
Get our lowest interest rate credit card with no annual fee.1, 3
Low Rate Card Benefits
Rates as Low As
Special Introductory Rate
0% Introductory APR, after which rates may range from 13.74% - 24.74% variable APR.2
- 0% Intro APR for 12 months on purchases within the first year.
- 0% Intro APR for 12 months on balance transfers when completed within 90 days of account opening.2
Avoid Common Fees3
- No Annual Fee
- No Balance Transfer Fees
- No Cash Advance Fees
Using Credit Responsibly Helps Your Financial Health
A BECU Low Rate Credit Card gives you the tools that may help improve your financial health:
Paying lower interest than our Cash Back card means more money in your pocket
Low Rate Credit Card Perks
We created a credit card that serves your needs and includes additional benefits.
Enjoy Peace of Mind
- Travel and emergency assistance services
- Worldwide automatic travel accident insurance
- Roadside dispatch
- Extended warranty protection
Robust Security Features
- Credit card fraud alerts
- Stay informed of identity theft with NortonLifeLockTM ID Navigator
- Contactless tap technology credit card
- EMV security chip
Choose Your Low Rate Credit Card Design
Are you a proud Husky, Cougar, or Boeing employee? Choose from our striking, distinctive designs from our Affinity Partner credit cards.
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.
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.
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
Low Rate Credit Card
Current Card
Do you want to pay a low interest rate because you generally keep a balance on your credit card? We recommend the Low Rate Credit Card.
- Rates as low as 13.74% variable APR
- 0% Intro APR for your first 12 months on purchases
- No annual, cash advance, and balance transfer fees3
Cash Back Credit Card
Do you prefer lowering your bill with cash back rewards, and do you usually pay off your monthly balance? We recommend the Cash Back Credit Card.
- Unlimited 1.5% cash back on all purchases5
- 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 fees3
Secured Credit Card
Do you have little to no credit history, looking to build your credit score, and want to make significant improvements to your financial health? We recommend the Secured Card.
- Choose between a secured Low Rate Card or secured Cash Back Card
- May improve your credit score and establish a good credit history
- No annual, cash advance, and balance transfer fees3
*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.
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 13.74% to 24.74%, based on your credit worthiness 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.
3BECU's credit card rates in effect as of 12/01/2024 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.
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. The additional $100 cash reward is not available to individuals who currently have a Low Rate or Points Rewards Credit Card and switch to a Cash Back Credit Card or to individuals who have opened a different Cash Back Credit Card 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 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.
5Cash advances and cash-like transactions do not qualify as purchases.