BECU Visa Credit Card Review

BECU Visa Credit Card is a credit card issued by Boeing Employees Credit Union (BECU). If you're wondering whether BECU Visa Credit Card is the right card for you, read on. This is everything you need to know 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 Visa Credit Card has a variable purchase APR that ranges from 7.99% up to 19.99%.
• 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. 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, travel accident insurance, travel assistance, and fraud protection.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.

The Good

The Bad

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 on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Considers applicants with fair or poor credit. No foreign transaction fee. BECU Visa Credit Card reports to multiple credit bureaus.

Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

Is there a BECU Visa Credit Card cash back or rewards program?

No, BECU Visa Credit Card does not offer a rewards program.

What are the BECU Visa Credit Card benefits?

BECU Visa Credit Card provides the following benefits:

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

What are the relevant APRs for BECU Visa Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. BECU Visa Credit Card has lower than average purchase APRs.

BECU Visa Credit Card has a variable purchase APR that ranges from 7.99% up to 19.99%. The card has a variable balance transfer APR that ranges from 7.99% up to 19.99%. It also has a variable cash advance APR that ranges from 7.99% up to 19.99%.

What are the fees for BECU Visa Credit Card?

The following fees apply to BECU Visa Credit Card:

BECU 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

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

Yes, BECU 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 Visa Credit Card

• Visit the BECU 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.