Purchase APR
12.74–24.24%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
SecuredTop-25 issuerNo score≤619Other
Carrying $3k for a year ≈ $659.70
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50
BECU Cash Back Secured Consumer Credit Card
Boeing Employees' Credit Union
Secured cardTop-25 issuerNationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
16.74–26.24%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
23 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
25.99%
≤619
25.99%
620–719
25.74%
720+
19.99%
Lowest offered16.74%
Median25.74%
Highest offered26.24%
Cash advance APR
No score
25.99%
≤619
25.99%
620–719
25.74%
720+
19.99%
Lowest offered16.74%
Median—
Highest offered26.24%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Repeat late fee (6 mo)$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Return Payment Fee$25
Rewards, benefits and features
Rewards
- Cashback rewards
Services
- Access to Free Credit Scores
- Credit card registration
- Extension on manufacturer’s warranty
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementProfessional Affiliation
RequirementOther. Please Describe:
Geographic: All counties in Washington State. Benton, Clackamas, Clatsop, Columbia, Coos, Curry, Deschutes, Douglas, Jackson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Washington, and Yamhill counties in Oregon. Benewah, Bonner, Bou
Affiliation: University of Washington Alumni Association (UWAA) member, donor, employee, volunteer or retiree. Washington State University Alumni Association (WSUAA) member, donor, employee, volunteer or retiree. BECU Foundation member, donor, employee, volunteer or r
Phone800-233-2328
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 25.74%$772.20
Annual / periodic fees$0
Total yearly cost$772.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.
Cardholder agreements
18 documents filed by Boeing Employees' Credit Union in the 2026 Q1 archive.
- 01-01-2025 Rate Sheet113 KB
- 11-01-2024 Rate Sheet116 KB
- 550-BECU-Credit and Security Agreement352 KB
- 550-BECU-Credit and Security Agreement352 KB
- 6-1-2025 BECU Visa Rate Sheet127 KB
- BECU CC Credit and Security Agreement348 KB
More from this issuer
Purchase APR
12.74–24.24%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
Top-25 issuerNo score≤619
Carrying $3k for a year ≈ $479.70
Purchase APR
16.74–26.24%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $607.20
Purchase APR
20.24–29.99%
Annual fee
None
Foreign fee
3%
0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $772.20