BECU Cash Back Credit Card

Earning Rates

Key Benefits

All Benefits

• 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
• $200 cash back welcome bonus after spending $2,000 in eligible purchases within the first 3 months of account opening; posts as a statement credit within 30 days of meeting the spend threshold; balance transfers, cash advances, fees, and interest charges do NOT count toward the $2,000 spend; bonus restricted to applicants who do not currently hold a BECU credit card and have not received a BECU credit card bonus in the prior 12 months
• $0 annual fee for the life of the account - no first-year-waived gimmick, structurally fee-free
• $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)
• $0 balance transfer fee on qualifying balance transfers - BECU is one of the few issuers that does not charge a 3-5% balance transfer fee on this product
• $0 cash advance fee on cash advances; cash advance interest still accrues from the transaction date with no grace period
• Variable purchase APR effective May 1, 2026: rates 'as low as 16.49% APR' with the full range running 12.49% to 25.49% variable based on creditworthiness, product selection, and the Wall Street Journal Prime Rate (per becu.org/rates/credit-card-rates)
• 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 network with EMV chip card and contactless tap-to-pay technology; mobile wallet compatibility with Apple Pay, Google Pay, and Samsung Pay
• $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
• 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
• 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
• 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
• Cash back exclusions: balance transfers, cash advances, finance charges, late fees, fraudulent purchases, returned purchases, and account fees do NOT earn cash back
• Transfer partners: Not offered - cash back only, no airline / hotel loyalty transfer partnerships
• Airport lounge access, annual statement credits, travel insurance, cell phone protection, hotel / airline elite status: Not offered - this is a no-annual-fee cash-back workhorse