BECU Low Rate Credit Card

Earning Rates

Key Benefits

All Benefits

• 0% introductory APR for 12 months on new purchases made during the first year from account opening; after the 12-month intro period, the unpaid balance reverts to the standard variable purchase APR
• 0% introductory APR for 12 months on balance transfers completed within the first 90 days of account opening; this is a long intro BT window relative to most issuers, and BECU pairs the 0% intro APR with a $0 balance transfer fee for a true zero-cost balance transfer offer
• $0 balance transfer fee on qualifying balance transfers - BECU is one of the very few issuers in the U.S. market that combines a 0% intro APR balance transfer offer with no balance transfer fee, making this a top recommendation for cardholders carrying high-interest debt on other cards
• Standard variable APR after intro period: 12.49% to 23.49% variable APR (effective 5/1/2026, tied to the Wall Street Journal Prime Rate, based on creditworthiness and product selection); the 12.49% floor is notably lower than most issuers' rate floors
• $0 annual fee for the life of the account
• $0 foreign transaction fees on purchases made outside the United States or in a foreign currency
• $0 cash advance fees; cash advance interest still accrues from the transaction date with no grace period
• No rewards / cash back - this card does not earn cash back, points, or miles on purchases; positioned purely as a low-cost borrowing instrument and balance transfer vehicle
• BECU membership required - eligibility open to residents of Washington State, certain Idaho counties, select South Carolina counties, Select Employer Groups (including Boeing), family of existing members, and partner organizations
• Available card designs: standard BECU design plus Washington State University Cougars, University of Washington Huskies, and Boeing employee affinity designs at no additional cost - all share identical rates, fees, and benefits
• Visa network with EMV chip card and contactless tap-to-pay; mobile wallet compatibility with Apple Pay, Google Pay, and Samsung Pay
• $0 fraud liability per Visa Zero Liability Policy; 24/7 fraud monitoring; Visa Account Updater; card lock / unlock controls in the BECU mobile app
• Auto Rental Collision Damage Waiver and Travel and Emergency Assistance Services per Visa benefits
• Grace period on purchases: at least 25 days after the close of each billing cycle when the previous statement balance is paid in full
• Transfer partners: Not offered
• Airport lounge access, annual statement credits, travel insurance, cell phone protection: Not offered - positioned strictly as a low-interest workhorse and balance transfer vehicle