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BECU Business Low Rate Credit Card vs BECU Cash Back Credit Card
Both are well-respected travel cards. The BECU Business Low Rate Credit Card comes from BECU at $0/yr; the BECU Cash Back Credit Card from BECU at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Business Low Rate Credit Card | BECU Cash Back Credit Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | No welcome bonus | $200 cash back after $2,000 spend in 3 months |
| Bonus value (est.) | $0 | $200 |
| Min spend to unlock bonus | $0 in 0 mo | $2,000 in 3 mo |
| Issuer | BECU | BECU |
| Card category | low-interest | cashback |
| Best earning category (All_purchases) | 0x | 1.5x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BECU Business Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
BECU Cash Back Credit Card
$0/yr · $200 cash back after $2,000 spend in 3 months
Editorial take: BECU Cash Back Credit Card
Common questions
- Which card has the bigger sign-up bonus, BECU Business Low Rate Credit Card or BECU Cash Back Credit Card?
- The BECU Cash Back Credit Card has the bigger bonus, $200 cash back after $2,000 spend in 3 months, worth roughly $200, versus No welcome bonus (~$0) on the BECU Business Low Rate Credit Card.
- Is the BECU Business Low Rate Credit Card's $0 annual fee worth it compared to the BECU Cash Back Credit Card?
- The BECU Business Low Rate Credit Card has no annual fee, so the question is whether the BECU Cash Back Credit Card's $0 fee is justified by its perks. If you'll use enough of the BECU Cash Back Credit Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Business Low Rate Credit Card.
- Can I have both the BECU Business Low Rate Credit Card and BECU Cash Back Credit Card?
- Yes, though both are issued by BECU so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Business Low Rate Credit Card or the BECU Cash Back Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Business Low Rate Credit Card: $0 spend in 0 months. BECU Cash Back Credit Card: $2,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.