Boeing Employees Credit Union BECU Traditional Card | Consumer Financial Protection Bureau

Nationwide

Availability

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

Eligibility requirements

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
Consumers 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.org
This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

becu.org

Phone

(800) 233-2328

Purchase interest rate and fees

13.24% – 24.74%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
619 or less	22.24%	1 dollar sign symbol Pay less interest
620-719	16.74%	1 dollar sign symbol Pay less interest
720+	13.74%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

0% for 12 months

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee: None
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: 23 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $25 for the first late payment and $25 for a late payment within six billing cycles of another late payment
Over-limit fee: None
Returned Payment Fee: $25 (Charged when a payment was returned because it was uncollectible or not honored.)

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Services

Access to Free Credit Scores
Credit card registration
Extension on manufacturer’s warranty
Roadside assistance, travel accident insurance, ID theft insurance

Card features

Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

This card does not offer cash advances.