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.

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

APRs:

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

Fees:

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 www.becu.org
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:

Go to www.becu.org and click “Login”
Click “Forgot username?” or “Forgot password?”
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.

Conclusion

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.

Check Out: