Woman shopping online with her Visa


The BECU Visa credit card has one of the lowest rates you’ll find anywhere.

Apply Now

Visa Rates as Low As

APR Effective 6/1/2023*



Variable Rate

*See important information about rates, fees and other costs

Enjoy a Low Rate with No Annual Fee

BECU Visa Benefits 

  • No annual fee
  • New Cardholder Offer: 0% APR for your first 12 months for purchases, and for any balance transfers made within the first 90 days of opening your account.**
  • No balance transfer fees
  • No cash advance fees
  • No foreign transaction fees and other perks
  • Variable rates as low as 12.74% APR*
BECU Visa 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 Visa in-person at any of our Neighborhood Financial Centers. In order to submit an online application, you'll first need to apply for BECU Credit Union 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 4 different designs to choose from for the BECU Visa and Cash Back Visa 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, traditional Visa credit card and a Cash Back Visa rewards 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.

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.


  • 12.74% - 24.74% APR
  • No annual or cash back advance fees
  • New Cardholders: 0% for 12 months introductory APR on balance transfers completed within the first 90 days of account opening**
  • Choose from 4 card design options

Cash Back Visa

  • Unlimited 1.5% cash back
  • 15.74% - 26.74% 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

Pick the One That's Right for You

1.5% Cash Back**** New Cardholders
12.74%-24.74% Variable Rate Tied to Prime
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 Visa
15.74-26.74% Variable Rate Tied to Prime
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 Cash Back Visa but interested in switching to our BECU Visa? 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 Visa 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 Visa® 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 Visa 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 Visa® card with just a few clicks in Online Banking.

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.

*See important information about rates, fees and other costs

**Low APR New Cardholder Offer: 0% APR for your first 12 billing cycles for purchases, and for any balance transfers made within the first 90 days of opening your account. After that your APR will be from 12.74% to 24.74%, based on your credit worthiness and product selection. This APR will vary with the market based with 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.

***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 rate).

****Cash Back Credit Card Offer: $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. The additional $300 cash reward is not available to individuals who currently have a Traditional BECU Visa and switch to a Cash Back Rewards Visa or to individuals who have opened a different Cash Back Rewards Account within the previous 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.

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

******You may make up to six (6) pre-authorized, automatic, telephonic, or Online Banking transfers from savings or money market accounts during a calendar month. If transfer requests exceed six (6) transfers, we may assess an Excess Transaction fee.

SPECIAL NOTICE: If you pay your credit card balance in full each month, you do not pay interest on your purchases. This is called a grace period. Please note that once your 12-month 0% introductory purchase APR ends, you will pay interest on any purchases (including recurring automatic payments) unless you pay your entire balance (including both transferred balances and purchase balances) in full.

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.