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Verified May 2026

BECU Secured Cash Back Credit Card

BECU|Personal
/5
Annual Fee
$0
Sign-Up Bonus
No welcome bonus
Bonus Value
$0

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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Is this card worth it?
Annual fee
$0
Welcome offer
No welcome bonus
Est. value
$0
Best for
Cashback

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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Benefits and fees last verified May 2026against the issuer's published terms.

Earning Rates

1.5x
all purchases

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.

BECU Secured Cash Back Credit Card

BECU

Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (3)

  • spend-categories
    Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
  • held-cards
    Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
  • tracked-objectives
    Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

NO_TRANSFER_ECOSYSTEM

This card's rewards do not transfer to any airline or hotel program in our graph.

Portfolio overlap

HOLDINGS_UNKNOWN

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

NO_TRACKED_OBJECTIVES

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

ASK_SPEND_CATEGORIES

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

VERIFIED
$0 annual feeIssuer check 2026-05-24

No publishable welcome offer (no-current-offer).

  • 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.

Computed 2026-08-25T22:26:47.234Z from the facts above. This is a request-time answer, not something we monitor for you.

Earning rates

2
  • 1.5%

    1.5% unlimited cash back on every purchase with no caps - identical earn structure to the unsecured BECU Cash Back card; cash back is automatically credited monthly

  • Visa network with EMV chip card and contactless tap-to-pay; mobile wallet compatibility with Apple Pay, Google Pay, and Samsung Pay - card is visually identical to the unsecured BECU Cash Back on the front (no 'SECURED' marker)

Statement credits

1
  • Cash back redemption

    Cash back redemption: automatic monthly statement credit

Perks & memberships

1
  • No foreign fees$0 foreign transaction fees - rare on a secured card

Travel & purchase protections

1
  • $0 fraud liability per Visa Zero Liability Policy; 24/7 fraud monitoring; Visa Account Updater; card lock / unlock controls
More benefits & fine print (6)Show
  • Security deposit required: minimum $250, maximum $10,000 - the deposit determines the credit line on a 1:1 basis
  • Security deposit is held in a BECU savings account and is fully refunded after the cardholder applies for, qualifies for, and receives an unsecured BECU credit card
  • Credit bureau reporting: BECU reports secured card usage and payment history to Equifax, Experian, and TransUnion; account factors into overall credit score
  • $0 cash advance fees
  • 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
  • Graduation path: cardholders who establish a positive payment history can apply for an unsecured BECU credit card and, upon approval, receive a full refund of the security deposit

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.

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How we verified this card (3 sources)Show

Spotted something off? Report an issue. Read our verification methodology.

See the Current Offer

Earn No welcome bonus

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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.

Use this for a trip

Have a trip in mind?

Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.

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