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BECU Business Low Rate Credit Card
Verified May 2026

BECU Business Low Rate Credit Card

BE
BECU|Business
/5
Annual Fee
$0
Sign-Up Bonus
No welcome bonus
Bonus Value
$0
View Offer

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

Earning Rates

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all purchases

Key Benefits

    All Benefits

    • No rewards / cash back - structured purely as a low-cost small-business borrowing instrument; businesses that want rewards should choose the BECU Business Cash Back Credit Card instead
    • Standard variable APR: rates 'as low as 14.49% APR' (effective 5/1/2026) - the lowest business credit card APR floor offered by BECU and notably lower than the 16.99% floor on the Business Cash Back card
    • $0 annual fee
    • $0 foreign transaction fees
    • $0 cash advance fees; cash advance APR matches the standard purchase APR
    • 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 Boeing and other Select Employer Groups)
    • Employee cards: business cardholders can issue employee cards at no additional cost (employee spend does not earn cash back on this Low Rate variant - only on the Business Cash Back variant)
    • 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
    • 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
    • Transfer partners: Not offered
    • Airport lounge access, annual statement credits, travel insurance, cell phone protection, hotel / airline elite status: Not offered - positioned as a no-AF small-business low-interest borrowing card
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    Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

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