| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
This card does not offer a rewards program; its primary benefit is a low APR.
|
0x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Introductory APR on Balance Transfers
New cardholders receive a 0% introductory APR on balance transfers completed within 90 days of account opening for the first 12 months; after the promotional period ends, the regular variable APR applies.
|
Financial | 0% for 12 months on qualifying transfers |
|
0% Introductory APR on Purchases
New cardholders receive a 0% introductory APR on purchases for the first 12 months from account opening; after the promotional period ends, the regular variable APR applies.
|
Financial | 0% for 12 months |
|
No Annual Fee
The BECU Low Rate 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 Low Rate Credit Card.
|
Financial | $0 Balance Transfer Fee |
|
No Cash Advance Fee
BECU charges no transaction fee for cash advances on the Low Rate 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 Low Rate 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 with the card against damage or theft within the first 90 days of purchase, 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 connecting cardholders with service providers for towing, lockout service, tire changes, and other roadside assistance; service fees may apply.
|
Lifestyle | Complimentary dispatch |
|
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; 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 paid with the card is cancelled or interrupted due to a covered reason; subject to terms and conditions in the Visa Guide to Benefits.
|
Travel | Complimentary |
|
Worldwide Travel Accident Insurance
Provides up to $500,000 in automatic travel accident insurance when airline, cruise line, or train travel is paid with the card; some restrictions apply.
|
Travel |
Up to $500,000
Up to $500,000
|
