BECU Business Cash Back Credit Card

Earning Rates

Key Benefits

All Benefits

• 1.5% unlimited cash back on all qualifying purchases with no caps; automatically credited as a statement credit monthly
• $0 annual fee - one of the only $0 AF small-business 1.5% cash back cards in the U.S. market alongside Capital One Spark Cash Select for Business and U.S. Bank Business Triple Cash
• $0 foreign transaction fees - rare on a small-business cash back card
• $0 cash advance fees
• Standard variable APR: rates 'as low as 16.99% APR' (effective 5/1/2026)
• BECU business membership required - businesses must qualify for BECU business membership before applying; eligibility open to businesses located in BECU's service area or with eligible business connections including Select Employer Groups
• Employee cards with individual spending limits at no additional cost; all employee card spend earns 1.5% cash back to the primary business account
• Expense management: monitor employee card spending, set transaction alerts, download transaction history via the BECU mobile app and BECU Online Banking; QuickBooks export via CSV/OFX
• Auto Rental Collision Damage Waiver: included via Visa business card benefits when reserved and paid with the card in the business name
• Extended warranty: doubles the original manufacturer's warranty on eligible purchases for up to one additional year on warranties of three years or less - NOT advertised on the consumer BECU Cash Back card and a structural advantage of the business variant
• Travel and Emergency Assistance Services: 24/7 hotline for medical, legal, financial, and emergency coordination
• Visa network with EMV chip card and contactless tap-to-pay; mobile wallet compatibility
• $0 liability per Visa Zero Liability Policy; 24/7 fraud monitoring; Visa Account Updater; card lock / unlock controls
• Business credit reporting: BECU business credit cards typically report to commercial credit bureaus (Dun & Bradstreet, Experian Business) building business credit history; verify reporting policy at application
• Transfer partners: Not offered
• Airport lounge access, annual statement credits, travel insurance, cell phone protection, hotel / airline elite status: Not offered