BECU Cash Back Visa
By Alex Compton · Last verified
A simple 1.5% card with a $200 bonus and none of the usual fees.
Welcome Bonus
$2
≈$2 value
Spend Requirement
$2,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
Good
(670+)
Current offer note: Public offer confirmed: $200 cash back after $2,000 in purchases in the first 3 months; no intro APR on this card (BECU's 0% intro offer is on its separate Low Rate card)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $2 | $2,000 in 3 mo | Terms reconfirmedPublic offer confirmed: $200 cash back after $2,000 in purchases in the first 3 months; no intro APR on this card (BECU's 0% intro offer is on its separate Low Rate card) | BECU Cash Back Credit Card product page → |
| 2026-06 | $2 | $2,000 in 3 mo | Earliest record$200 after $2,000 in 90 days | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
$200 after $2,000 in 3 months, 1.5% flat earn and no annual, balance transfer, cash advance or foreign fees confirmed, but the card has no 0% intro APR (that offer is on BECU's Low Rate card, per the Cash Back disclosure); APR is 16.49% to 25.49%.
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BECU Cash Back Credit Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Earning Rates
- 1.5xAll purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Unlimited 1.5% cash back on everything
- ✦$200 cash back after $2,000 in purchases in the first 3 months
- ✦No annual fee, no balance transfer fee, no foreign transaction fee, no cash advance fee
- ✦Variable APR of 16.49% to 25.49% depending on credit
Why it earns its spot
- +No balance transfer fee, a rarity among cash back cards
- +Clean flat-rate earning with a real $200 bonus
- +No cash advance or foreign transaction fees either
Where it costs you
- −Membership is limited to Washington State, select Oregon and Idaho counties, and a short list of partner groups
- −1.5% trails the 2% flat-rate leaders
- −No intro APR on this card: BECU reserves its 0% offer for the separate Low Rate card
The Compound Verdict
On earning alone this is a midpack 1.5% card, but the package is better than the headline: a $200 bonus and no annual, balance transfer, cash advance or foreign transaction fees. Note that BECU's 0% intro APR offer belongs to its Low Rate card, not this one, so anyone consolidating debt should look there instead. The Pacific Northwest membership rules are the main thing keeping it regional.
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