Our illustration in the card’s colours, not its design
BECU credit card
BECU Secured Low Rate Credit Card
No annual fee. Purchase APR 25.49%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer document · becu.org · PDF
“Annual Fee None”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer document · becu.org · PDF
“(APR) for Purchases Your APR will be 16.49% to 25.49%, based on your creditworthiness.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer document · becu.org · PDF
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
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 | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $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
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$0a year
The same in the first year and after.
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
- No annual fee, like about 90% of the 50 cards on our Secured list (see the list).
- Lower top APR than about 60% of the 651 cards we track.
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
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
Benefits
- Travel and emergency assistance services
- Roadside dispatch
- No foreign transaction fees
- Travel accident
- Extended warranty
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer document · becu.org · PDF “Annual Fee None” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer document · becu.org · PDF “(APR) for Purchases Your APR will be 16.49% to 25.49%, based on your creditworthiness.” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · becu.org “0% Introductory APR for your first 12 months, after which your rate will range from 12.49% - 23.49% variable APR.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer document · becu.org · PDF The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer document · becu.org · PDF “APR for Cash Advances 16.49% to 25.49%, based on your creditworthiness.” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer document · becu.org · PDF The source states this figure; we have no exact sentence on file yet. |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer document · becu.org · PDF “Up to $25” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Issuer document · becu.org · PDF “Up to $25” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer document · becu.org · PDF The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer document · becu.org · PDF “Your due date is at least 23 days after the close of each billing cycle.” |
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)
Questions
- What is the annual fee?
- None · becu.org · PDF, since Oct 12, 2026
- Does it charge a foreign transaction fee?
- No. · becu.org · PDF, since Oct 12, 2026
- What is the purchase APR?
- 25.49% APR · becu.org · PDF, since Nov 1, 2026
- Is there an intro APR?
- 0% for 12 months. · becu.org, since Sep 29, 2026