BECU Cash Back Visa
A simple 1.5% card whose superpower is a fee-free 0% balance transfer window.
Welcome Bonus
$2
≈$2 value
Spend Requirement
$2,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
Good
(670+)
Current offer note: $200 after $2,000 in 90 days
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
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
- ✦0% intro APR for the first 12 months with no balance transfer fee
- ✦No annual fee, no foreign transaction fee, no cash advance fee
- ✦Ongoing APR starts lower than most cash back cards
Why it earns its spot
- +A 0% intro period with no transfer fee is nearly extinct elsewhere
- +Clean flat-rate earning with a real $200 bonus
- +Credit union pricing on the back-end APR
Where it costs you
- −Membership is limited to Washington State and select nearby counties
- −1.5% trails the 2% flat-rate leaders
- −Few premium card benefits
The Compound Verdict
On earning alone this is a midpack 1.5% card, but the package is better than the headline: a $200 bonus, credit union APRs, and the rare combination of 0% intro APR with zero balance transfer fee. That last feature makes it the cheapest debt consolidation play in the Pacific Northwest. The Washington-centric membership is the only thing keeping it regional.
Rate this card
Be the first to rate it
Commentson BECU Cash Back
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.