Our illustration, not the card’s design
BECU credit card
BECU Business Cash Back Credit Card
- APR up · 16.99% to 17.24% · Nov 1, 2026
No annual fee. $300 USD after you spend $3,000 in 3 months. Purchase APR 17.24%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · becu.org
“You will receive the $300 cash back credit, which you must redeem, as a statement credit only.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · becu.org
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · becu.org
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · becu.org
“No foreign transaction fees”
Select an underlined figure to see where it comes from.
BECU’s terms
Welcome offer
$300 cash
After you spend $3,000 on purchases in your first 3 months.
- Spending it takes
- $1,000 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
$300 cash back after spending $3,000 in purchases within three (3) months from account opening. Bonus is redeemable only as a statement credit. Purchases exclude balance transfers, cash advances, and similar cash-like transactions, among other exclusions. Allow up to 30 days for bonus to post after qualifying. Account must be open and not in default at fulfillment. Not available to current cardholders, certain previous cardholders, or individuals who switch from a Business Credit Card or open a different Business Cash Back Credit Card within the previous 12 months.
- Larger than about 75% of the 48 other cash bonuses we track.
Who can get it: If you’ve had this bonus in the last 12 months (a year), you can’t get it again yet.
“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, (iii) individuals who currently have a Business Credit Card and switch to a Business Cash Back credit card, or (iv) to individuals who have opened a different Business Cash Back Credit Card account within the previous 12 months.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $480 | $180 | |
| Typical spender | $750 | $450 | |
| Heavy spender | $1,290 | $990 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$180a year
$480 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$450a year
$750 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$990a year
$1,290 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 80% of the 732 cards we track.
- Lower top APR than about 100% of the 163 cards on our Sign-up bonuses list (see the list).
- No annual fee, like about 95% of the 48 cards on our Cash back list (see the list).
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$160 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$150 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$150 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 1.5%
- Everything else
Cash back, as a share of each purchase.
Benefits
- Travel and emergency assistance services
- Worldwide travel and accident insurance
- Auto rental collision damage waiver
- No $0 liability if the card is lost or stolen
- Rental car
All 7 benefits
- Travel accident
- Extended warranty: Up to one year
Changes
- Nov 1, 2026 APR 16.99% to 17.24%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · becu.org The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · becu.org The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · becu.org “No annual or cash advance fees” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · becu.org “No foreign transaction fees” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 12 months (a year), you can’t get it again yet.
Questions
- What is the annual fee?
- $0 · becu.org, since Oct 1, 2026
- Does it charge a foreign transaction fee?
- No. · becu.org, since Nov 1, 2026
- What is the purchase APR?
- 17.24% APR · becu.org, since Nov 1, 2026
- Is there a welcome bonus?
- $300 cash back after $3,000 in purchases in 3 months. · becu.org, since Nov 1, 2026