BECU Cash Back Visa
By Alex Compton · Last verified
A simple 1.5% card whose superpower is a fee-free 0% balance transfer window.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
Good
(670+)
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 |
|---|---|---|---|---|
| 2026-06 | $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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1.5xAll purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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.
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