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Boeing Employees Credit Union

BECU Traditional Secured Card

This credit card is recommended for people with the following credit scores: 619 or less, 620-719, and 720+

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

This is a secured card
You may have to pay a security deposit to open and use this card and will only be able to make purchases or get cash advances up to the amount of that deposit.

Purchase interest rate and fees

13.24% – 27.24%* Purchase APR

*As of . 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 26.24%
2 dollar sign symbols
Pay average interest
620-719 16.24%
1 dollar sign symbol
Pay less interest
720+ 16.24%
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 Introductory APR

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 Annual fee
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.