Secured Low Rate Credit Card
No annual fee. Purchase APR 12.49–23.49%, variable.
- 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 | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $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
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 90% of the 49 cards on our Secured list (see the list).
- Lower top APR than about 65% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
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. |
| Intro APR | Issuer's pagebecu.org “0% Introductory APR for your first 12 months, after which your rate will range from 12.49% - 23.49% variable APR.” |
| Balance transfer APR | Issuer's pagebecu.org “Get a 0% intro APR for 12 months on purchases within the first year and balance transfers within 90 days of account opening.” |
| Balance transfer fee | 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
- Roadside dispatch
- No foreign transaction fees
- Travel accident
- Extended warranty
Questions
- What is the annual fee?
- No annual fee becu.org, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. becu.org, since Sep 29, 2026
- What is the purchase APR?
- 12.49–23.49% APR becu.org, since Sep 29, 2026
- Is there an intro APR?
- 0% for 12 months. becu.org, since Sep 29, 2026
- What credit do you need?
- little to no credit history becu.org, since Sep 29, 2026
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).