| Category | Rate | Type | Cap |
|---|---|---|---|
| All Other Purchases | 1.5x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Credit Limit Equal to Security Deposit
The cardholder's credit limit is equal to the amount of the cash security deposit, providing full control over the credit line established.
|
Financial | Complimentary |
|
Interest-Earning Security Deposit
The required cash security deposit is held in a BECU savings account and earns interest/dividends while the card account is open.
|
Financial | Complimentary |
|
No Annual Fee
The BECU Secured 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 Secured Credit Card.
|
Financial | $0 Balance Transfer Fee |
|
No Cash Advance Fee
BECU charges no transaction fee for cash advances on the Secured 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 Secured 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.
|
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 |
|
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 |
|
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
|
