The BECU is a business credit card from BECU. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 16.99% – 28.99% variable, based on creditworthiness (WSJ Prime Rate plus a margin; rate schedule effective October 1, 2026) after a 4.49% introductory rate for 6 months. Signup bonus: $300 cash back (statement credit) after spending $3,000 in purchases within three months of account opening. Rewards: 1.5% cash back on all qualified purchases, unlimited, no spending categories; accrued cash is automatically credited to the statement each month (not on cash advances, cash-like transactions or balance transfers). Cash back: 1.5% Cash Back Rewards. Loan terms: Revolving business credit card; automatic payment from a BECU business account is required (full balance, or minimum: balance under $25 = full balance, $25-$1,000 = $25, over $1,000 = 2.5% of New Balance). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Application rules: One TransUnion pull covers credit card, personal loan, and LOC within 30 days. Apply in-person or by phone to avoid extra pulls.. Boeing Employees Credit Union. TransUnion only (confirmed by underwriter). One pull good for 30 days across multiple products. BECU Foundation $1 membership. Accessible via GoWest Foundation membership ($20 one-time).