BECU Credit Cards

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Join BECU & Apply

Low Rate Credit Card Benefits1

  • Great low rate.

  • No annual fee.2

  • 0% intro APR for 12 months on purchases, and on balance transfers completed in the first 90 days.3

Our credit cards stand out from the pack with competitive rates, few fees and great rewards.

Join BECU & Apply

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 12/1/2025 range from 12.74% to 23.74% 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.

30% 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 12.74% to 23.74%, 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.