BECU Low Rate Visa Credit Card

BECU

Membership required

Key facts

Annual fee$0
RewardsCash back
Everything else earns0% back
Minimum credit score670

Earn rates

One flat rate: 0% back on purchases. The catalog records no bonus categories for this card.

Signup bonus

The catalog records no public signup bonus for this card.

Applying

Foreign transaction fee: 0%

Issuer's page for this card

Membership required

Live, work, worship or attend school in BECU's field-of-membership geographies, or belong to an affiliated organization; otherwise BECU may donate to a qualifying association on your behalf.

You live, work, worship or attend school in certain geographies.
You are a part of an affiliated organization.
If neither of the above apply, BECU may donate to a qualifying association on your behalf.

How to join

Notes

No rewards stated. 0% introductory APR on purchases for 12 months from account opening and on balance transfers made within 90 days of account opening; after that 12.49% to 23.49% variable APR. Rates as low as 12.49% variable APR effective 10/1/2026. No annual fee, no balance transfer fees, no cash advance fees, no foreign transaction fees. BECU membership is required. Introductory offers are not available to existing BECU credit card holders.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with BECU; the card name is its owner's trademark.

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