| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
1.5% cash back on all qualifying purchases; balance transfers, cash advances, cash-like transactions, returned items, unauthorized charges, interest charges, and account fees are not qualifying purchases.
|
1.5x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
$200 New Cardholder Bonus
Earn a $200 cash back bonus after spending $2,000 in purchases within the first 3 months of account opening; not available to current or previous cardholders who received a bonus within the last 12 months.
|
Credits |
$200
Up to $200
|
|
No Annual Fee
The BECU Cash Back Credit Card carries no annual fee for cardholders.
|
Financial | $0 Annual Fee |
|
No Balance Transfer Fee
BECU charges no fee for balance transfers made to the Cash Back Credit Card.
|
Financial | $0 Balance Transfer Fee |
|
No Cash Advance Fee
BECU charges no transaction fee for cash advances on the Cash Back Credit Card; however, interest accrues immediately from the date of the transaction.
|
Financial | $0 Cash Advance Fee |
|
No Foreign Transaction Fee
BECU does not charge a foreign transaction fee on purchases made outside the United States or in a foreign currency.
|
Financial | $0 Foreign Transaction Fee |
|
Visa Account Updater
Automatically updates the cardholder's BECU credit card expiration date and account number with participating merchants, reducing interruptions to recurring billing.
|
Financial | Complimentary |
|
Auto Rental Collision Damage Waiver
Covers collision damage or theft for rental vehicles when the rental is charged to the BECU Cash Back Credit Card and the cardholder declines the rental company's collision damage waiver.
|
Insurance | Complimentary |
|
Extended Warranty Protection
Extends the manufacturer's warranty on eligible purchases made with the card; provides warranty registration and extended protection up to a maximum of $10,000 per claim and $50,000 per cardholder.
|
Insurance |
Up to $10,000 per claim
Up to $10,000
|
|
Purchase Security (Purchase Protection)
Covers eligible items purchased entirely with the card against damage or theft within the first 90 days of purchase; coverage up to $10,000 per claim at the Benefit Administrator's discretion.
|
Insurance |
Up to $10,000 per claim
Up to $10,000
|
|
Roadside Dispatch
Provides access to a roadside dispatch service that connects cardholders with service providers for towing, lockout service, tire changes, and other roadside assistance; service fees may apply.
|
Lifestyle | Complimentary dispatch |
|
1.5% Unlimited Cash Back
Cardholders earn 1.5% cash back on all qualifying purchases with no cap; cash back is redeemable as a statement credit at any time.
|
Rewards | 1.5% cash back |
|
ID Navigator Powered by NortonLifeLock
Provides dark web monitoring, data breach notifications, and Stolen Wallet Assist with access to U.S.-based identity restoration specialists Monday–Friday; enrollment required at cardbenefitidprotect.com.
|
Security | Complimentary |
|
Zero Liability Fraud Protection
Cardholders are not held responsible for unauthorized purchases made with their account when reported promptly.
|
Security | Complimentary |
|
Price Protection
Reimburses the price difference if an eligible item purchased with the card is found at a lower advertised price within a specified period; subject to terms and conditions in the Visa Guide to Benefits.
|
Shopping | Complimentary |
|
Baggage Delay Reimbursement
Provides reimbursement for essential purchases when checked baggage is delayed; subject to terms and conditions in the Visa Guide to Benefits.
|
Travel | Complimentary |
|
Lost Luggage Reimbursement
Reimburses cardholders for lost or damaged luggage when travel is paid with the BECU Visa card; subject to terms and conditions in the Visa Guide to Benefits.
|
Travel | Complimentary |
|
Travel and Emergency Assistance Services
Provides 24/7 travel and emergency assistance including emergency ticket replacement, lost luggage services, translation services, and prescription assistance when traveling.
|
Travel | Complimentary |
|
Trip Cancellation and Interruption Insurance
Provides insurance coverage if a trip is cancelled or interrupted; covers both pre-departure cancellation and mid-trip interruption on travel paid with the card.
|
Travel | Complimentary |
|
Worldwide Travel Accident Insurance
Provides up to $500,000 in travel accident insurance when the cardholder pays for airline, cruise line, or train travel with the card; some restrictions apply.
|
Travel |
Up to $500,000
Up to $500,000
|
