BECU Secured Low Rate Credit Card

Earning Rates

Key Benefits

All Benefits

• No rewards / cash back - structured purely as a low-cost credit-building instrument; cardholders who want rewards on a secured card should choose the BECU Secured Cash Back variant instead
• 0% introductory APR for 12 months on new purchases - same intro offer as the unsecured Low Rate card, extended to the Secured Low Rate variant
• 0% introductory APR for 12 months on balance transfers completed within the first 90 days of account opening - paired with $0 balance transfer fee for true zero-cost BT runway
• $0 balance transfer fees - rare on a secured card; most issuer secured cards do not offer balance transfer functionality at all
• $0 annual fee
• Security deposit required: minimum $250, maximum $10,000 - 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 and receives an unsecured BECU credit card
• Credit bureau reporting: BECU reports to Equifax, Experian, and TransUnion
• Standard variable APR after intro period: 12.49% to 23.49% variable (effective 5/1/2026); the 12.49% floor is notably lower than competing secured cards (most charge 22-29%)
• $0 foreign transaction fees - rare on a secured card
• $0 cash advance fees
• BECU membership required - eligibility open to residents of Washington State, certain Idaho counties, select South Carolina counties, Select Employer Groups, family of existing members, and partner organizations
• Visa network with EMV chip card and contactless tap-to-pay; mobile wallet compatibility with Apple Pay, Google Pay, and Samsung Pay - visually identical to unsecured BECU Low Rate (no 'SECURED' marker)
• $0 fraud liability per Visa Zero Liability Policy; 24/7 fraud monitoring; Visa Account Updater; card lock / unlock controls
• Graduation path: positive payment history qualifies cardholder to apply for an unsecured BECU credit card and receive full deposit refund
• Transfer partners, airport lounge access, annual statement credits, travel insurance, cell phone protection: Not offered