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BECU Visa®

Approval Odds

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4.6 out of 5 stars
5 Reviews

From Cardholders in the last year

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Application Process

4.5 out of 5 stars

Customer Service

5 out of 5 stars

4.5 5

These reviews were written by current and former cardholders in the last year.

Dec 01, 2016
Approved with 660 score
optical888 Cardholder

I was out of the country for a long time and so my credit history pretty much completely dissapeared. I decided to start reclaiming my previously excellent credit score slowly, and one of the ways I decided to do that was by opening some new lines of credit to build history. I first opened a secured card which brought me from no score to 660, and then after two months, I was able to open an account with my dream card, the BECU Visa! They have offered me a very low interest rate (less than half that of the secured card I initially got from Citi) as well as a fair balance for someone with limited history like me, and the process over the phone was painless and friendly. I am a BECU member and this just makes me love the organization even more than I already do.

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Oct 18, 2016
Low APR (7.14% right now) on a 13k limit
Ubertam Cardholder

Rewards program is great. I think it's 1.5% and they have cash back as an option (why you'd choose anything else I don't know). Easy to claim. $25/year fee is nothing when I'm getting 100-200 back per month.

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Jun 16, 2016
Rates too high for a non-profit.
Anonymous Cardholder

Do not sign up for their Rewards pgm - hidden $25 fee!

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Feb 14, 2016
Low APR and Generous Line of Credit
RonBargarh Cardholder

Salient Features of the BECU Visa Card

1. High Credit Limits to Start ( Got approved for $20k without having been a BECU member until that point)

2. Low APRs ( Less than half of what I was paying for Another Card from a Leading Bank )

3. 0% Introductory APRs on Balance Transfers

4. Quick Approvals ( Heard back from BECU about the approved Application in just a couple of Days )

5. Great Customer Service both in Financial Centers as well as over the Phone

Other Benefits

1. Great Mobile and Online Banking - Fantastic Technology

2. Checking Accounts with No Fees

3. Shared Branching and Free CO-OP ATMs through out the Nation.

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Feb 14, 2016
Generous Credit Line and Low APRs
RonBargarh Cardholder

I recently got approved for a $20K line of Credit for BECU Visa. This is pretty significant because I was not a BECU Member until after the BECU Visa Application was Approved. I also got a very good APR (and also an introductory 0% APR for 6 months on Balance Transfers). BECU literally offered me half the APR compared to another Leading Credit Card that I had been using. Excellent Customer Service both at their Financial Centers and Over the Phone and great Online Banking. 

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