BECU Cash Back Credit 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.
View OfferBenefits and fees last verified May 2026against the issuer's published terms.
Earning Rates
Important considerations
- Rewards do not transfer to travel partners
Rewards are fixed cash back with no airline or hotel transfer partners, so you cannot convert them into points for premium cabin or outsized award value.
Based on this card's terms last verified May 2026.
Earning rates
2- 1.5%
1.5% unlimited cash back on every purchase with no caps, no categories to track, no quarterly activations, and no rotating bonus categories - cash back is automatically credited to the cardholder's BECU account monthly with no manual redemption step required
- 1.5%
$0 foreign transaction fees on purchases made outside the United States or in a foreign currency - rare on a no-annual-fee 1.5% cash back card and a structural advantage vs. Chase Freedom Unlimited, Wells Fargo Active Cash, and Citi Double Cash (all 3% FX fees)
Statement credits
1- Cash back redemption
Cash back redemption: automatic monthly application as a statement credit - no manual redemption required, no minimum threshold, rewards accrue and post monthly regardless of balance carried
Travel & purchase protections
3- $0 fraud liability for unauthorized transactions per Visa Zero Liability Policy; 24/7 fraud monitoring with real-time transaction alerts available via the BECU mobile app and online banking
- Auto Rental Collision Damage Waiver: included via Visa benefits when the cardholder reserves and pays for the rental with the BECU Cash Back card and declines the rental company's collision damage waiver
- Travel and Emergency Assistance Services: 24/7 hotline for medical, legal, financial, and emergency coordination and referral services per Visa benefits
More benefits & fine print (5)ShowHide
- $0 cash advance fee on cash advances; cash advance interest still accrues from the transaction date with no grace period
- BECU membership is required to hold this card - membership eligibility is open to anyone who lives, works, attends school, worships, or volunteers in the State of Washington, certain Idaho counties, and select South Carolina counties; BECU also opens membership via Select Employer Groups (including Boeing), family of existing members, and certain partner organizations; applicants must join BECU and enroll in BECU Online Banking before submitting the credit card application
- Visa Account Updater: automatically forwards updated card numbers and expiration dates to enrolled merchants when the card is reissued
- Card lock / unlock controls in the BECU mobile app and online banking allow cardholders to instantly disable the card if lost or stolen
- Cash back exclusions: balance transfers, cash advances, finance charges, late fees, fraudulent purchases, returned purchases, and account fees do NOT earn cash back
Before you decide, weigh alternatives
This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.
How we verified this card (4 sources)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
How to Earn the Bonus
Spend $2,000 in the first 3 months to earn the $200 cash back after $2,000 spend in 3 months bonus.
See the Current Offer
Earn $200 cash back after $2,000 spend in 3 months
View OfferAffiliate 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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