BECU Cash Back Visa Credit Card

BECU

Membership required

Key facts

Annual fee$0
RewardsCash back
Everything else earns1.5% back
Minimum credit score670

Earn rates

One flat rate: 1.5% back on purchases. The catalog records no bonus categories for this card.

Signup bonus

$200 after $2,000 of spend in the first 3 months.

Applying

Foreign transaction fee: 0%

Issuer's page for this card

Membership required

Live, work, worship or attend school in BECU's field-of-membership geographies, or belong to an affiliated organization; otherwise BECU may donate to a qualifying association on your behalf.

You live, work, worship or attend school in certain geographies.
You are a part of an affiliated organization.
If neither of the above apply, BECU may donate to a qualifying association on your behalf.

How to join

Notes

Unlimited 1.5% cash back on every purchase, applied as a statement credit; no limit on cash back earned. $200 cash back bonus after $2,000 in purchases in the first 3 months (not available to current holders, to holders who received this bonus within the last 12 months, or to people switching from a Low Rate or Points Rewards card). Rates as low as 16.49% variable APR effective 10/1/2026; BECU rates range from 12.49% to 25.49%. No annual fee, no balance transfer fee, no cash advance fee, no foreign transaction fees. BECU membership is required. Benefits are as the card page lists them; the amounts of extended warranty, trip cancellation, lost luggage and baggage delay are in the Visa Guide to Benefits, which the page does not state.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with BECU; the card name is its owner's trademark.

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