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BECU Low Rate Credit Card vs BECU Secured Low Rate Credit Card
Both are low-interest travel cards. The BECU Low Rate Credit Card comes from BECU at $0/yr; the BECU Secured 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
Both cards come from BECU and target low-interest spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The BECU Secured Low Rate Credit Card costs $0 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | BECU Low Rate Credit Card | BECU Secured Low Rate Credit Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | No welcome bonus | No welcome bonus |
| Bonus value (est.) | $0 | $0 |
| Min spend to unlock bonus | $0 in 0 mo | $0 in 0 mo |
| Issuer | BECU | BECU |
| Card category | low-interest | low-interest |
| Best earning category (All_purchases) | 0x | 0x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BECU Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
BECU Secured Low Rate Credit Card
$0/yr · No welcome bonus
Editorial take: BECU Secured Low Rate Credit Card
Common questions
- Which card has the bigger sign-up bonus, BECU Low Rate Credit Card or BECU Secured Low Rate Credit Card?
- The two cards offer comparable sign-up bonuses around $0. Pick based on which earning categories you actually use.
- Is the BECU Low Rate Credit Card's $0 annual fee worth it compared to the BECU Secured Low Rate Credit Card?
- The BECU Low Rate Credit Card has no annual fee, so the question is whether the BECU Secured Low Rate Credit Card's $0 fee is justified by its perks. If you'll use enough of the BECU Secured Low Rate Credit Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Low Rate Credit Card.
- Can I have both the BECU Low Rate Credit Card and BECU Secured 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 Low Rate Credit Card or the BECU Secured Low Rate Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Low Rate Credit Card: $0 spend in 0 months. BECU Secured 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.