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Last updated on May 11th, 2021
Low Rate & No Annual Fee
- Regular Purchase APR 13.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 13.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Annual Fee None
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Visa
- No annual fee
- No foreign transaction fees
- Ideal for carrying a balance
- Great low APR
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 13.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 13.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 13.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $25
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At a Glance
The BECU Visa® is an enticing balance transfer and low APR card from Boeing Employees Credit Union. The card offers an impressive low APR, starting at around 9%. This great interest rate for purchases, balance transfers, and cash advances is even better thanks to 0% intro APR for the first 12 months. The card also benefits from no fees of any kind, including no balance transfer, cash advance, or foreign transfer fees, or an annual fee.
Ideal for Those Who:
- Hate paying hidden fees
- Want a great APR
- Already bank with BECU or meet the eligibility requirements
BECU Visa® Review
The BECU Visa® Card is balance transfer and low APR credit card from Boeing Employees Credit Union (BECU). BECU is a Pacific Northwest-based credit union that is open to new members who either live or work in Washington Sates, live in select counties in Oregon or Idaho, are a member of the University of Washington Alumni association, belong to the NW Credit Union Foundation, or are an employee of either Boeing or any other credit union. Because of the broad scope of BECU membership eligibility, it is one of the largest credit unions in the entire United States.
The BECU Visa®, as previously noted, is a great low APR and balance transfer credit card. The card boasts an impressive 0% introductory APR on both purchases and balance transfers for the first 12 months, followed by a tremendous low APR after that. Those with excellent credit scores can expect a typical APR starting at around 9%, which is well below the APR usually available form larger lenders and banks.
The BECU Visa® Card also benefits from a lack of fees – including hidden ones. The card features no annual fee, no foreign transaction fees, no fees for balance transfers or cash advances, and no penalty APR. Hidden fees are a sneaky way many lenders like to rake in the profits at the cardholder’s expense, but fortunately, BECU doesn’t operate on these principles – instead offering low rates and high transparency.
BECU operates a program called “Loan Reprice,” which allows those who improve their credit scores through hard work and timely payments to receive a lower APR. This is an excellent feature – and one we wish many other lenders would consider implementing.
Should You Apply for the BECU Visa®?
Overall, the BECU Visa® is an excellent low APR card from BECU. While the card itself doesn’t offer any rewards, the low APR and lack of any fees make it a reliable option for those looking to consolidate their existing credit card balances or those considering making a big purchase in the near future.