RateHerald

No link on this page pays us. When one does, it says so, and it never changes a ranking. How we make money

BECU credit cardChecked Oct 10, 2026Updated Our illustration in the card’s colours, not its design

BECU Cash Back Credit Card

$200 cash back after you spend $2,000 in 3 months. No annual fee.

Welcome offer
Annual fee
Purchase APR
Foreign transaction fee
See it on becu.orgRates and fees

We don’t earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
SpendingFirst yearAfter
Light spender$200$0
Typical spender$200$0
Heavy spender$200$0
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

Assumed: not counted: 1.5x every purchase.

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 119 cards on our Sign-up bonuses list (see the list).
  • 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

$200 cash

After you spend $2,000 on purchases in your first 3 months.

Earn a $200 cash back bonus after spending $2,000 on purchases in the first three months of account opening.

  • Smaller than about 75% of the 36 other cash bonuses we track.
Spending it takes$667 a monthfor 3 months
Tracking sinceSep 29, 2026history will chart every change

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)

How you earn

  • 1.5%every purchase

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer fee
Cash advance fee
Foreign transactions

Carrying a balance? See how long it takes to pay off

Benefits

  • Price protection: if an item purchased drops in price within 60 days, the price difference is refunded, up to $500 per item.
  • Emergency assistance services, including roadside dispatch.
  • Six security features, including credit card fraud alerts, contactless tap technology, and an EMV security chip.
  • Price protection: $500 per item
  • Extended warranty
  • Travel accident: $500,000
  • Baggage
  • Baggage
  • Trip cancellation
  • Roadside

Questions

What is the annual fee?
No annual fee becu.org, since Oct 3, 2026
Does it charge a foreign transaction fee?
No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
What is the purchase APR?
16.49% APR Issuer document
Is there a welcome bonus?
$200 cash back after $2,000 in purchases in 3 months. becu.org, since Sep 29, 2026

Other secured cash back cards with no annual fee

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).

See it on becu.org