BECU Visa Credit Card: How to Apply for the BECU Visa Credit Card

Are you tired of paying high interest rates on your credit card balances? Wouldn’t it be nice to transfer those balances to a card with a 0% introductory APR? Well, look no further than the BECU Visa Credit Card.

BECU Visa Credit Card - Apply for the BECU Visa Credit Card

This card from Boeing Employees Credit Union offers a lengthy 0% intro APR on balance transfers and purchases, plus no annual fee. But that’s just the start – keep reading to learn all the key benefits, features, rates, and how to apply for this powerful credit card.

Top Benefits of the BECU Visa Credit Card

0% Intro APR on Balance Transfers and Purchases

The biggest draw of the BECU Visa is the long 0% intro APR period it offers on both balance transfers and new purchases. You’ll get 0% APR for 12 months on balance transfers and purchases, giving you over a year to pay down existing balances interest-free or make new purchases without accruing interest charges right away.

No Annual Fee

Unlike many premium rewards cards, the BECU Visa charges absolutely no annual fee. This makes it an affordable option for those looking for low interest rates and the ability to transfer balances without paying an annual fee.

Competitive Ongoing APRs

After the intro periods, the BECU Visa still offers competitive variable APRs ranging from 11.74% to 23.74% on purchases, balance transfers, and cash advances. These rates are lower than many competing credit cards.

Key Features of the BECU Visa

While the BECU Visa lacks a traditional rewards program, it does come packed with some valuable extra features and benefits:

  • Extended warranty protection
  • Identity theft protection
  • Travel accident insurance
  • Travel assistance services
  • Zero fraud liability

The card also has no foreign transaction fees, making it a good companion for international travel.

Rates, Costs, and Fees


  • 0% intro APR for 12 months on purchases and balance transfers
  • 74% to 23.74% variable APR after intro period ends


  • No annual fee
  • No balance transfer fee
  • No foreign transaction fees
  • Up to $25 late payment fee
  • Up to $25 returned payment fee

Other Credit Cards from Boeing Employees Credit Union (BECU)

While the BECU Visa Credit Card is their flagship offering, it’s not the only credit card available from Boeing Employees Credit Union. BECU has several other personal and business credit card options that may better fit your needs:

BECU Cash Back Visa Credit Card

  • Earn 3% cash back on gas purchases
  • Earn 2% back on grocery/wholesale club purchases
  • Earn 1% back on all other purchases
  • No annual fee
  • 0% intro APR on purchases for 6 months

The BECU Low Rate Visa Credit Card

  • Low variable APR currently at 9.49% – 18.00%
  • No annual fee
  • No balance transfer fees
  • No foreign transaction fees

BECU Business Cash Back Visa Credit Card

  • Earn 3% cash back on office supply/telecom purchases
  • Earn 2% back on gas and restaurant purchases
  • Earn 1% back on all other purchases
  • No annual fee
  • 0% intro APR on purchases for 9 months

BECU World Elite Mastercard for Business

  • 5% cash back on all purchases
  • No foreign transaction fees
  • Travel benefits like concierge service
  • $50 annual fee

As you can see, BECU has credit card options whether you want to earn cash back rewards, get a low interest rate, or have a card tailored for your business. Be sure to explore all of their offerings to find the right BECU credit card for your needs and spending habits.

How to Apply for the BECU Visa Credit Card

Applying for the BECU Visa card is simple. Just follow these steps:

  • Visit the BECU website and click on the “Credit Cards” tab
  • Scroll down to the BECU Visa Card and click “Apply Now”
  • Complete the secure online application with details like your name, address, income, etc.
  • Review and submit your application

BECU recommends having a credit score of at least 600 to improve your approval odds. You’ll also need to become a BECU member by opening a share savings account with a $5 minimum deposit.

How to Activate Your New BECU Visa Card

Once approved, your new BECU Visa will arrive in the mail within 7-10 business days. To activate it:

  • Call the number provided in your card materials
  • Enter your credit card number when prompted
  • Create a 4-digit PIN for ATM/cash advance access
  • Start using your new card right away

How to Log In to Your Online Account

To access your BECU Visa account online:

  • Visit
  • Click “Login” in the top right
  • Enter your username and password
  • Click “Sign In”

From your online account dashboard, you can view transactions, make payments, check balances, update personal info, and more.

Forgotten BECU Online Banking Login Details

If you’ve forgotten your BECU online banking username or password, don’t worry – it’s easy to retrieve:

  1. Go to and click “Login”
  2. Click “Forgot username?” or “Forgot password?”
  3. Follow the prompts to reset your credentials

You can also call the BECU member service line at (206) 439-5700 for assistance.

How to Make BECU Visa Credit Card Payments

There are several convenient ways to make payments on your BECU Visa:

  • Online through online banking
  • By phone at 1-800-233-2328
  • Through the BECU mobile banking app
  • By mail to the provided payment address
  • At a BECU branch location

Just be sure to make at least your minimum payment by the due date each month to avoid potential late fees.


The BECU Visa Credit Card is an excellent, no-annual-fee option for those looking to transfer balances and pay down debt interest-free, make new purchases interest-free for a year, or just get access to below-average APRs. With no balance transfer fees, no foreign transaction fees, and valuable card benefits, it’s a hard card to beat for the price.

So what are you waiting for? If you meet BECU’s membership requirements, submit your application today to get your hands on this powerful balance transfer card. Your wallet will thank you.

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