
BECU Secured Credit Card
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Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) |
11.74% - 23.74% (Verified 01/31/2023) |
Balance Transfer APR (Variable APR) |
11.74% - 23.74% (Verified 01/31/2023) |
Credit Score Range | 300 - 550 |
Annual Fee | $0 |
BECU Secured Credit Card Review
This is a secured credit card card issued by Boeing Employees Credit Union (BECU). If you're wondering whether BECU Secured Credit Card is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
- Competitive APRs. BECU Secured Credit Card has a variable purchase APR that ranges from 11.74% up to 23.74%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers, if you transfer the balance within 0 day of opening the account. After the introductory period, the fee is 0%.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of BECU Secured Credit Card
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BECU Secured Credit Card FAQ
Does BECU Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the BECU Secured Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for BECU Secured Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.BECU Secured Credit Card has a variable purchase APR that ranges from 11.74% up to 23.74%. The card has a variable balance transfer APR that ranges from 11.74% up to 23.74%. It also has a variable cash advance APR that ranges from 11.74% up to 23.74%.
Does BECU Secured Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer Fee % After Intro Period | 0% |
Balance Transfer Fee Intro Period | 0 days |
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 11.74% - 23.74% |
Balance Transfer Fee Minimum | $0 |
Balance Transfer Fee % | 0% |
Does BECU Secured Credit Card have an intro APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 12 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for BECU Secured Credit Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $25 |
Late Payment Fee | up to $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does BECU Secured Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for BECU Secured Credit Card?
The BECU Secured Credit Card customer service number is (206) 439-5700.
What is the support contact email for BECU Secured Credit Card?
The support contact email for BECU Secured Credit Card is social@becu.org.
What is the BECU Secured Credit Card login page?
You can access the BECU Secured Credit Card login page here.
How do people rate the customer service and user experience of BECU Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does BECU Secured Credit Card report your account activity to credit bureaus?
Yes, BECU Secured Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for BECU Secured Credit Card
- Visit the BECU Secured Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
12770 Gateway Dr S
Tukwila, WA 98168 USA - (206) 439-5700
- Visit Site
- Email Support
Other Services by Boeing Employees Credit Union (BECU)
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 12 months |
BECU Secured Credit Card Community Reviews
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