BECU UW Cash Back Visa Credit Card Review

This is a cashback credit card issued by Boeing Employees Credit Union (BECU). If you're wondering whether BECU UW Cash Back Visa Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• 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 UW Cash Back Visa Credit Card has a variable purchase APR that ranges from 10.99% up to 21.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, 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. 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.
• Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval oods if your credit score is above650.

The Good

The Bad

Unlimited 1.5% cash back Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No balance transfer fee. 0% APR on new purchases during the first 12 months. No annual fee. Multiple credit card perks. Extended warranty and price protection on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. No foreign transaction fee. BECU UW Cash Back Visa Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus.

Does BECU UW Cash Back Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the BECU UW Cash Back Visa Credit Card benefits?

It provides the following benefits:

• Extended Warranty Protection
• Zero fraud liability
• Price Protection
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for BECU UW Cash Back Visa 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 10.99% up to 21.99%. The card has a variable balance transfer APR that ranges from 10.99% up to 21.99%. It also has a variable cash advance APR that ranges from 10.99% up to 21.99%.

What are the fees for BECU UW Cash Back Visa Credit Card?

The following fees apply:

BECU UW Cash Back Visa Credit Card Fees

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 cashback card.

Does BECU UW Cash Back Visa Credit Card report your account activity to credit bureaus?

Yes, BECU UW Cash Back Visa 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 UW Cash Back Visa Credit Card

• Visit the BECU UW Cash Back Visa 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.