Credit union · NCUA insured
BECU Credit Card Rates
BECU credit cards start at 16.49% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How BECU’s credit card rates compare
Compared with banks and credit unions near Seattle, WA, where BECU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
BECU
16.49%APR
- Up to
- —
Cash Back Credit Card
Lowest rate
America's Credit Union
8.79%APR
- Up to
- 18.00% APR
2nd-lowest rate
Firefighters First Credit Union
8.99%APR
- Up to
- 16.99% APR
BECU credit card score
61
Credit card score
Higher than 3% of U.S. banks and credit unions
- Purchase APRPurchase APR16.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where BECU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Back Credit Card
Membership with BECU and credit approval required. Variable APR based on Prime Rate. Earn unlimited 1.5% cash back on purchases. No annual fee, no balance-transfer fee, no cash-advance fee, no foreign-transaction fee. $200 bonus after spending $2,000 in first 3 months.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.49% | None | Rates as low as 16.49% variable APR, effective 10/1/2026. Actual APR determined when you apply based on creditworthiness. Variable rate based on Prime Rate. Overall BECU credit card rates range up to 25.49% variable APR. No annual fee, no balance-transfer fee, no cash-advance fee, no foreign-transaction fee. |
Sources (1)
- becu.org/everyday-banking/cred…rd/cash-back-credit-card · captured Oct 22, 2026
Low Rate Credit Card
Membership with BECU and credit approval required. Variable APR based on Prime Rate. No annual fee, no balance-transfer fee, no cash-advance fee, no foreign-transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR on purchases for the first 12 months from account opening. Introductory offers not available for existing BECU card holders, secured, or student credit cards. |
| Ongoing | 12.49%–23.49% | None | Ongoing variable purchase APR after 12-month introductory period, based on creditworthiness. Variable rate based on Prime Rate. Rates in effect as of 10/1/2026. Rate as low as 12.49% APR. |
Sources (1)
- becu.org/everyday-banking/cred…ard/low-rate-credit-card · captured Oct 22, 2026
Secured Cash Back Credit Card
Requires cash collateral deposit equal to the approved credit limit ($250 to $10,000), held in an interest-bearing savings account with BECU. Subject to BECU membership and credit approval. Earn unlimited 1.5% cash back. No annual fee, no balance transfer fee, no cash advance fee, no foreign transaction fee. $200 bonus after spending $2,000 on purchases within 90 days.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49%–25.49% | None | Rates in effect as of 10/1/2026 range from 12.49% to 25.49% variable APR, with secured credit cards having rates as low as 12.49% variable APR. Actual APR determined when you apply based on creditworthiness. Variable APR based on Prime Rate. Collateral deposit of $250 - $10,000 required. No annual fee, no balance transfer fee, no cash advance fee. |
Sources (1)
- becu.org/everyday-banking/cred…card/secured-credit-card · captured Oct 22, 2026
Secured Low Rate Credit Card
Requires cash collateral deposit equal to the approved credit limit ($250 to $10,000), held in an interest-bearing savings account with BECU. Subject to BECU membership and credit approval. No annual fee, no balance transfer fee, no cash advance fee, no foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR on purchases for 12 months within the first year from account opening. Introductory offers not available for BECU student credit cards. Cash collateral deposit of $250 - $10,000 required equal to credit limit. |
| Ongoing | 12.49%–23.49% | None | Ongoing variable purchase APR after 12-month introductory period, ranging from 12.49% to 23.49% variable APR based on creditworthiness. Variable APR based on Prime Rate. Rates in effect as of 10/1/2026. Security deposit required equal to approved credit limit ($250 - $10,000). No annual fee. |
Sources (1)
- becu.org/everyday-banking/cred…card/secured-credit-card · captured Oct 22, 2026
Who can join BECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship or attend school in certain geographies.
Employers and groups
- Eligibility is open to individuals who are part of an affiliated organization.
Other ways
- If other eligibility criteria do not apply, BECU may donate to a qualifying association on the applicant's behalf to qualify them for membership.
Cost to join
- Membership is free, and a savings account can be opened in person with no initial deposit.
- Opening an account online requires a minimum share deposit of $10.
Membership information collected October 4, 2026.