SEARCH LOCATIONS SUPPORT LOG IN JOIN BECU BECU & YOU EVERYDAY BANKING LOANS & MORTGAGES PLANNING & INVESTING BUSINESS BANKING Cash Back Visa® The BECU Cash Back Visa credit card earns 1.5% unlimited cash back with no annual fee. Apply Now Cash Back Visa Rates as Low As APR Effective 11/1/2021* 10.99 % APR Cash Back Visa Variable Rate *See important information about rates, fees and other costs Apply Now Or visit a Neighborhood Financial Center 1.5% Unlimited Cash Back and Pay No Annual Fee Cash Back Visa Benefits No annual fee Unlimited 1.5% Cash Back Earn a $300 cash back bonus after you spend $3,000 on purchases in the first three months of account opening** No balance transfer fees No cash advance fees No foreign transaction fees and other travel abroad perks Variable rates as low as 10.99% APR* Frequently Asked Questions How do I apply for a BECU Visa credit card? Credit card design options How do I check the status of my previously-submitted application? What kind of credit cards does BECU offer? How long will it take to receive my new credit card? FAQs for Existing Card Holders Compare BECU Credit Cards No matter which card you choose, all BECU cards offer great benefits that are designed to directly benefit you, the member, not our bottom line. Cash Back Visa Unlimited 1.5% cash back 10.99% - 21.99% APR No annual or cash back advance fee Earn a $300 cash back bonus after you spend $3,000 on purchases in the first three months of account opening** Choose from 4 card design options Visa 7.99% - 19.99% APR No annual or cash back advance fees 0% for 12 months introductory APR on balance transfers for new cardholders Choose from 4 card design options Pick the One That's Right for You BECU Visa 7.99%-19.99% Variable Rate Tied To Prime BECU Cash Back Visa 10.99%-21.99% Variable Rate Tied To Prime 1.5% Cash Back*** New Cardholders Introductory 0% APR for 12 months on Purchases and Balance Transfers**** Earn a $300 cash back bonus after you spend $3,000 on purchases in the first three months of account opening** Already have our BECU Visa but interested in switching to cash back? 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 Cash Back Visa Benefits You don't just get cash back with this Visa, but you get more benefits, too. Check out the list below for perks that are in addition to our traditional Visa: ID Navigator Powered by NortonLifeLock Extended Warranty Protection Roadside Dispatch $500,000 Worldwide Automatic Travel Accident Insurance Travel and Emergency Assistance Services Price Protection Lost Luggage Reimbursement Baggage Delay Protection Trip Cancellation/Trip Interruption Coverage Contactless Visa Credit Cards Visa Account Updater Set up Monthly Recurring Payments There are two ways to automatically pay your Visa® credit card every month from a BECU account: Fill out a Loan Modification Request form and return it to a location near you, or Use DocuSign to electronically request monthly recurring payments Automatic Visa payments can only be set up from a BECU checking, money market, or savings account.**** Call 800-233-2328 for additional assistance. Balance Transfer Transfer a high-interest debt to your BECU Visa card with just a few clicks in Online Banking. Transfer a 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 Visa Visa Card Designs BECU Cash Back Visa Benefits Credit Card Fraud Alerts Reprice Program Visa Guide to Benefits (.pdf) Switch to the BECU Cash Back Visa Visa Account Updater For more information on how to access and use your benefits, check out the Visa guide above or call 1-800-551-8472 and talk to the Visa Benefit Coordinator Cash Back Visa Benefits Our Cash Back Visa comes with fraud protection, travel services and even extended warranties. *See important information about rates, fees and other costs. **$300 CASH BACK AFTER SPENDING $3,000 IN PURCHASES IN 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. You will receive $300 cash back credit which you must redeem. To qualify and receive your bonus, you must make purchases totaling $3,000 or more in the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers, or similar cash-like transactions, lottery tickets, casino gaming chips, race track 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. ***For complete details about BECU Cash Back and Traditional Benefits, please refer to the VISA Guide to Benefits (.pdf). ****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 (new BECU Visa cardholders only). After the introductory period, your current variable APR will apply, based on your credit worthiness and product selection. This APR will vary with the market based on the Prime Rate. Offer subject to credit approval. Credit Card programs, services, rates, terms and conditions are subject to change without notice. Contact BECU for the most current information. 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