Woman shopping online with her Visa


The BECU Visa credit card has one of the lowest rates you’ll find anywhere.

Apply Now

Visa Rates as Low As

APR Effective 3/1/2023*



Variable Rate

*See important information about rates, fees and other costs

Enjoy a Low Rate with No Annual Fee

BECU Visa Benefits 

  • No annual fee
  • New Cardholder Offer: 0% APR for your first 12 months for purchases, and for any balance transfers made within the first 90 days of opening your account.
  • No balance transfer fees
  • No cash advance fees
  • No foreign transaction fees and other travel abroad perks
BECU Visa Credit Card

Members may become eligible for an even lower rate by making timely payments and maintaining a healthy credit score. Learn more about our Loan Reprice Program.***

Frequently Asked Questions

New to BECU?
You can apply for the BECU Visa in-person at any of our Neighborhood Financial Centers. In order to submit an online application, you'll first need to apply for BECU Credit Union membership and enroll in Online Banking. Once you've got Online Banking set up, you can apply after you log in.

Current BECU member?
Simply log in to Online Banking and select Apply for Credit Cards & Loans from tabbed options. If you are looking for a business credit card, see our business credit cards page for more information.

BECU offers 4 different designs to choose from for the BECU Visa and Cash Back Visa Credit Cards.

Learn more about BECU credit card designs

Log in to Online Banking and select Check Loan Status from the tabbed options.

BECU also offers co-branded card designs

If your application is approved and all required documents have been obtained, your credit card will arrive in the mail within 5-7 business days. You will receive a PIN in a separate mailing within 7-10 business days.

Additional BECU Visa Benefits

We created a credit card that serves your needs and includes additional benefits, such as fraud and travel protection.

Check out the list below for the additional perks of a BECU credit card:

Set up Monthly Recurring Payments  

There are two ways to automatically pay your Visa® credit card every month from a BECU account:

  1. Fill out a Visa Automatic Change Request form and return it to a location near you, or
  2. Use DocuSign to electronically request monthly recurring payments

Automatic Visa payments can only be set up from a BECU checking, money market, or savings account.****

Call 800-233-2328 for additional assistance.

Balance Transfers

Transfer high-interest debt to your BECU Visa® card with just a few clicks in Online Banking.

Loan Payment Protection Program

The Loan payment protection program (LPP) provides financial assistance during times of hardship. LPP is an optional benefit offered through BECU.

  • Provides minimum monthly credit card payments in case of involuntary job loss, disability or loss of life
  • Monthly program cost is based on loan balance and package options

To apply, call us at 800-233-2328 and ask about getting LPP added to your loan. View the Credit Card Loan Payment Protection Contract.

*See important information about rates, fees and other costs

**New Cardholder Offer: 0% APR for your first 12 billing cycles for purchases, and for any balance transfers made within the first 90 days of opening your account. After that your APR will be from 12.24% to 24.24%, based on your credit worthiness and product selection. This APR will vary with the market based with Prime Rate. Please refer to the Credit and Security Agreement for the terms and conditions, fees, and charges, and other information regarding your credit card account.

***We periodically evaluate the credit rating of each member who has a credit card, personal line of credit, personal loan, auto loan, boat loan or RV loan with BECU. If you've improved your credit score sufficiently and your account is in good standing, you may earn a better rate (if you're not already receiving our lowest rate).

****You may make up to six (6) pre-authorized, automatic, telephonic, or Online Banking transfers from savings or money market accounts during a calendar month. If transfer requests exceed six (6) transfers, we may assess an Excess Transaction fee.

SPECIAL NOTICE: If you pay your credit card balance in full each month, you do not pay interest on your purchases. This is called a grace period. Please note that once your 12-month 0% introductory purchase APR ends, you will pay interest on any purchases (including recurring automatic payments) unless you pay your entire balance (including both transferred balances and purchase balances) in full.

Approval subject to BECU membership, credit approval and other underwriting criteria; not every applicant will qualify.

Credit Card programs, services, rates, terms and conditions are subject to change without notice. Contact BECU for the most current information.