BECU Secured Cash Back Credit Card
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.
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
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)ShowHide
- 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
How we verified this card (3 sources)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
See the Current Offer
Earn No welcome bonus
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.
