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BECU credit card

BECU Cash Back Credit Card

No annual fee. $200 cash back after you spend $2,000 in 3 months. Purchase APR 16.49–25.49%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

BECU’s terms

Welcome offer

$200 cash

After you spend $2,000 on purchases in your first 3 months.

Spending it takes
$667 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

Earn a $200 cash back bonus after spending $2,000 on purchases in the first three months of account opening.

  • Smaller than about 60% of the 48 other cash bonuses we track.

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.

SpendingValue against the feeFirst yearAfter
Light spender$200$0
Typical spender$200$0
Heavy spender$200$0
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

Assumed: not counted: 1.5x every purchase.

$0a year

$200 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 1.5x every purchase.

$0a year

$200 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. Assumed: not counted: 1.5x every purchase.

$0a year

$200 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. Assumed: not counted: 1.5x every purchase.

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

  • No annual fee, like about 85% of the 711 cards we track.
  • Lower top APR than about 80% of the 163 cards on our Sign-up bonuses list (see the list).

Other secured cash back cards with no annual fee

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%
every purchase

Cash back, as a share of each purchase.

Benefits

  • Price protection: if an item purchased drops in price within 60 days, the price difference is refunded, up to $500 per item.
  • Emergency assistance services, including roadside dispatch.
  • Six security features, including credit card fraud alerts, contactless tap technology, and an EMV security chip.
  • Price protection: $500 per item
  • Extended warranty
All 10 benefits
  • Travel accident: $500,000
  • Baggage
  • Baggage
  • Trip cancellation
  • Roadside

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Returned payment
Foreign transactions
Grace period

Before you apply

  1. 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).
  2. 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)

Questions

What is the annual fee?
None · becu.org · PDF, since Oct 12, 2026
Does it charge a foreign transaction fee?
No. · Reported to the CFPB, since Oct 4, 2026
What is the purchase APR?
16.49–25.49% APR · becu.org · PDF, since Oct 12, 2026
Is there a welcome bonus?
$200 cash back after $2,000 in purchases in 3 months. · becu.org, since Sep 29, 2026
See it on becu.org

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