BECU Business Cash Back Credit Card
$300 cash back after you spend $3,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagebecu.org
“$300 Bonus: Limited-Time Business Cash Back Credit Card Offer”
- Annual fee
- Issuer's pagebecu.org
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagebecu.org
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- Issuer's pagebecu.org
The source states this figure; we have no exact sentence on file yet.
We don’t earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $480 | $180 |
| Typical spender | $750 | $450 |
| Heavy spender | $1,290 | $990 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards
How it compares
- Lower top APR than about 100% of the 43 cards on our Cash back list (see the list).
- Worth more to a typical spender than about 90% of the 647 cards we track.
- No annual fee, like about 85% of the 623 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$300 cash
After you spend $3,000 on purchases in your first 3 months.
Limited-time offer available through Sept. 30, 2026. The $300 cash back credit must be redeemed as a statement credit only. After qualifying, allow up to 30 days for the bonus to post to the cash back balance.
- Larger than about 65% of the 36 other cash bonuses we track.
Who can get it: If you’ve had this bonus in the last 12 months (a year), you can’t get it again yet.
“This offer is not available to either (i) current cardholders of this credit card, or (ii) previous cardholders of this credit card who received a new cardholder bonus for this credit card within the last 12 months, (iii) individuals who currently have a Business Credit Card and switch to a Business Cash Back credit card, or (iv) to individuals who have opened a different Business Cash Back Credit Card account within the previous 12 months.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 12 months (a year), you can’t get it again yet.
How you earn
- 1.5%Everything else
Rates and fees
| Annual fee | Issuer's pagebecu.org The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagebecu.org The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Issuer's pagebecu.org The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagebecu.org The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Travel and emergency assistance services
- Worldwide travel and accident insurance
- Auto rental collision damage waiver
- No $0 liability if the card is lost or stolen
- Rental car
- Travel accident
- Extended warranty: Up to one year
Questions
- What is the annual fee?
- No annual fee becu.org, since Oct 3, 2026
- Does it charge a foreign transaction fee?
- No. becu.org, since Oct 3, 2026
- What is the purchase APR?
- 16.99% APR becu.org, since Oct 2, 2026
- Is there a welcome bonus?
- $300 cash back after $3,000 in purchases in 3 months. becu.org, since Sep 29, 2026
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$160 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$150 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$150 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).