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BECU Visa® card

BECU Visa®

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Visa
Intro purchase APR
0% for 12 months from account opening date
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The BECU Visa® is an enticing balance transfer and low APR card from Boeing Employees Credit Union. The card offers an impressive low APR, starting at around 9%. This great interest rate for purchases, balance transfers, and cash advances is even better thanks to 0% intro APR for the first 12 months. The card also benefits from no fees of any kind, including no balance transfer, cash advance, or foreign transfer fees, or an annual fee.

Our review of the BECU Visa®

The BECU Visa® Card is a top-rated balance transfer and low APR credit card offered by Boeing Employees Credit Union (BECU). Serving the Pacific Northwest, BECU is open to new members residing or working in Washington State, select counties in Oregon or Idaho, University of Washington Alumni association members, NW Credit Union Foundation members, Boeing employees, and others. With its wide membership eligibility, BECU stands as one of the largest credit unions in the nation.

The BECU Visa® stands out with its exceptional 0% introductory APR on purchases and balance transfers for the first 12 months, followed by a competitive low APR. Individuals with excellent credit scores can enjoy starting APRs as low as 9%, well below industry standards. Furthermore, the card is fee-friendly, with no annual fee, foreign transaction fees, balance transfer fees, cash advance fees, or penalty APRs. BECU’s commitment to transparency is further showcased through its “Loan Reprice” program, rewarding responsible behavior with lower APRs.

Is the BECU Visa® Worth Your Application?

In summary, the BECU Visa® is a standout low APR credit card from BECU. While it may not offer rewards, its low APR and fee structure make it a dependable choice for consolidating balances or planning significant purchases.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee
  • No foreign transaction fees
  • Ideal for carrying a balance
  • Great low APR

Who this card may suit

  • You do't want to pay additional fees on a card
  • You want a great, low APR
  • You already bank with BECU or meet the eligibility requirements

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Intro Purchase APR0% for 12 months from account opening date
Regular Purchase APR15.99% to 26.99% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR0% for 12 months from account opening date
Balance Transfer APR15.99% to 26.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR15.99% to 26.99% variable based on creditworthiness and the Prime Rate
Late Payment Penalty FeeUp to $25
Return Payment Penalty FeeUp to $25

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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BECU Visa®

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