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BECU Cash Back Credit Card vs BECU Low Rate Credit Card
Both are well-respected travel cards. The BECU Cash Back Credit Card comes from BECU at $0/yr; the BECU Low Rate 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 Cash Back Credit Card | BECU Low Rate Credit Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $200 cash back after $2,000 spend in 3 months | No welcome bonus |
| Bonus value (est.) | $200 | $0 |
| Min spend to unlock bonus | $2,000 in 3 mo | $0 in 0 mo |
| Issuer | BECU | BECU |
| Card category | cashback | low-interest |
| Best earning category (All_purchases) | 1.5x | 0x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BECU Cash Back Credit Card
$0/yr · $200 cash back after $2,000 spend in 3 months
Read the full review
BECU Low Rate Credit Card
$0/yr · No welcome bonus
Editorial take: BECU Low Rate Credit Card
Common questions
- Which card has the bigger sign-up bonus, BECU Cash Back Credit Card or BECU Low Rate 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 Low Rate Credit Card.
- Is the BECU Cash Back Credit Card's $0 annual fee worth it compared to the BECU Low Rate Credit Card?
- The BECU Cash Back Credit Card has no annual fee, so the question is whether the BECU Low Rate Credit Card's $0 fee is justified by its perks. If you'll use enough of the BECU Low Rate Credit Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Cash Back Credit Card.
- Can I have both the BECU Cash Back Credit Card and BECU Low Rate 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 Cash Back Credit Card or the BECU Low Rate Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Cash Back Credit Card: $2,000 spend in 3 months. BECU Low Rate Credit Card: $0 in 0 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.