Skip to content
Banking RegistryReal data. Clear answers.Data as of Oct 4, 2026
BECUCash Back Consumer Credit CardRegistry illustration · issuer artwork unavailable

Cash Back Consumer Credit CardBECU · state credit union, SC · NCUA 62604

CurrentLast observed Oct 4, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecuredFiled as “BECU Cash Back Consumer Credit Card”
Purchase APR
reported cohort medians 16.99%–25.74%
great to no score
Balance transfer
—
Cash advance APR
reported cohort medians 16.99%–25.74%
variable
Annual fee
p.1none
Foreign fee
Grace period
23 days
from cycle close

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Great creditmedian 16.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Good creditmedian 20.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Poor creditmedian 23.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
No credit scoremedian 25.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
APR for balance transfers—no source read
APR for cash advances
Great creditmedian 16.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Good creditmedian 20.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Poor creditmedian 23.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
No credit scoremedian 25.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases23 days from the close of each billing cycle——
How we calculate your balanceAverage daily balance including new purchases——
Annual fee$0BOEING EMPLOYEES · Page Capture Aug 23, 2026 · Captured Aug 23, 2026“None”BOEING EMPLOYEES · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
Transaction fees
Cash advance$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Balance transfer$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Foreign transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Penalty fees
Late paymentup to $25BOEING EMPLOYEES · Page Capture Aug 23, 2026 · Captured Aug 23, 2026“Up to $25”BOEING EMPLOYEES · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
Repeat late fee within six billing cycles$25Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Returned paymentup to $25BOEING EMPLOYEES · Page Capture Aug 23, 2026 · Captured Aug 23, 2026“Up to $25”BOEING EMPLOYEES · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
Other fees
Return Payment Fee$25, Charged when a payment was returned because it was uncollectible or not honored.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Opening conditionsAll 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, BouConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Opening conditionsConsumers must be within the CU's field of membership to obtain membership and a credit card account. BECU's FOM includes all of WA, parts of ID and OR, and employees/members of various employers/affiliations. More info available here https://www.becu.orgConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Opening conditionsUniversity 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 rConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website