The BECU is a personal credit card from BECU. The annual fee is No annual fee. The ongoing APR is 12.49% to 23.49% variable APR (effective 10/1/2026) after a 0% on purchases for 12 months; 0% on balance transfers for 12 months when completed within 90 days of account opening introductory rate. Rewards: No rewards program on the Low Rate Credit Card; 1.5% cash back belongs to BECU's separate Cash Back Credit Card (correct value: null). This product reports activity to your personal credit report.