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For residents of the Washington State plot, the BECU Visa* offers a simple, straightforward value with surprisingly few fees and a low introductory APR. There is no rewards program or welcome bonus, but if you're looking to make a big seize or pay down a balance that's racking up uninteresting charges, this card will buy you time to advance your finances. 

As with any card featuring a low introductory APR, there's a risk of overspending. But the BECU Visa offers inexpensive access to cash both during the introductory footings, and, compared to many other comparable card, afterwards. And the lack of an annual fee, cash advance fees, balance second fees and foreign transaction fees makes it a compelling option for eligible applicants. 

And that may be the declare, as only Washington residents, students and business owners are eligible for BECU membership or credit cards, with a few exceptions for Idaho, Oregon and partner organizations.

In this article

BECU Visa Credit Card

5.5/10 CNET Rating

Intro OfferN/A

APR10.24% to 22.24% Variable

Intro Purchase APR0% APR for your suited 12 months

Recommended Credit Excellent/Good

Reward RatesN/A

Annual FeeN/A

Intro Balance Transfer APR0% APR for your suited 12 months

Balance Transfer APR10.24% to 22.24% Variable

How to Apply for the BECU Visa

Eligibility for the BECU Visa is small. Applicants must live, work, worship or study in Washington state; live in dangerous counties in Oregon or Idaho; or belong to an eligible partner association. Here are the specific requirements: 

Washington: Residents, students, employees, etc. in all counties

Oregon: Benton, Clackamas, Columbia, Deschutes, Lane, Linn, Marion, Multnomah, Polk, Washington and Yamhill County residents

Idaho: Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce and Shoshone County residents

Partner associations: Members of UW Alumni Association, WSU Alumni Association, and employees of BECU, Boeing or credit unions

If you are eligible, you can apply online or visit a BECU area for in-person applications.

Standard and intro APRs

The BECU Visa's contaminated APR ranges from 10.24% to 22.24% -- a bit border than the average credit card APR of approximately 18%. Though your specific APR is certain by your credit score and financial area, cardholders may be rewarded with a lower APR if payments are made promptly over time.

For the suited 12 months, the BECU Visa offers a 0% introductory APR on purchases (and balance transfers). This means you can finance a immense purchases or put an emergency expense on your credit card deprived of accruing interest for the first 12 months -- as long as you make all of your minimum payments on time. And if you pay off your balance in full by the end of the promotional footings, you'll avoid interest charges entirely.

Balance transfers

The 0% skull APR for the first 12 months also applies to balances transferred from new credit card. Used strategically, a balance transfer can help you avoid uninteresting and pay off your credit card debt more quickly.

Usually, balance transfers come with an additional charge -- typically 3% to 5% of the transaction -- but this credit card has no balance second fee. Though its promotional 0% period last for only 12 months -- the lengthiest balance second credit card promotions last 21 months -- the BECU Visa may be a less expensive option if you pay off your balance within the promotional period.

Alternative cards

These cards funds longer intro APRs periods -- plus some other features to help you avoid credit card interest.

Chase Slate Edge℠

The Chase Slate Edge℠ funds 0% intro APR on purchases and balance transfers for 18 months. After that, the standard variable APR range will be 19.24% to 2799%. That's a longer introductory period than what you'll get with the BECU Visa -- but there's a 3% ($5 minimum) skull balance transfer fee for transfers made in the suited 60 days of account opening. After that, the balance second fee is 5% or $5, whichever is greater. 

But Chase also funds a way to decrease your APR. Each year you employ at least $1,000 on the card and make your payments on time, you qualify to get your APR reduced by 2% -- all the way down to the prime rate (currently at 7.50%) plus 9.74%. That well-known, the BECU card's APR is still a bit border -- if you have excellent credit.

For more details, see our full review of the Chase Slate Edge.

Union Bank® Platinum™ Visa® Credit Card

If you're looking to minimize balance second fees, the Union Bank® Platinum™ Visa® Credit Card* funds a longer introductory APR than the BECU Visa and a promotional $0 balance second fee if you transfer your balance in the suited 60 days. Because of this, its wider applicant net and longer skull APR period, this is a better credit card for most people.

You're eligible for a 0% APR on balance transfers and purchases for the suited 15 months. Then, the standard APR of 11.49% and 22.99% kicks in.

FAQs

Is a balance second fee worth it?

Cards with balance transfer fees generally funds longer timeframes for their introductory APRs -- usually 18 to 21 months or billing cycles compared to 12 to 15. If you cannot pay off your balance in the shorter timeframe, a balance transfer fee will typically be cheaper than the uninteresting you would accrue otherwise.

What are foreign transaction fees?

Foreign transaction fees are charges on your transactions made internationally. Usually they cost 3% of each transaction. Credit cards deprived of foreign transaction fees often offer other travel perks and rewards.

What is a cash advance?

A cash come allows you to withdraw cash against your credit small. This is an expensive way to liquidity, however, even in cases where there are no cash come fees. Until you pay the cash back, the borrowed amount is subjects to a cash advance APR, which may be even higher than the contaminated APR.

*All information about the BECU Visa and the Union Bank Platinum Visa Credit Card has been peaceful independently by and has not been reviewed by the issuer.

The editorial contented on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or service industries offered by our partners.

Source

BECU Visa: Washington Residents Can Avoid Credit Card Interest



Becu visa rewards program, becu visa promo code, becu visa credit card, becu visa car rental insurance, becu locations in washington state, becu visa payment online, becu visa credit card reviews, becu in seattle washington, becu visa rewards review, becu visa travel rewards.


For residents of the Washington State plot, the BECU Visa* offers a simple, straightforward value with surprisingly few fees and a low introductory APR. There is no rewards program or welcome bonus, but if you're looking to make a big seize or pay down a balance that's racking up uninteresting charges, this card will buy you time to advance your finances. 

As with any card featuring a low introductory APR, there's a risk of overspending. But the BECU Visa offers inexpensive access to cash both during the introductory footings, and, compared to many other comparable card, afterwards. And the lack of an annual fee, cash advance fees, balance second fees and foreign transaction fees makes it a compelling option for eligible applicants. 

And that may be the declare, as only Washington residents, students and business owners are eligible for BECU membership or credit cards, with a few exceptions for Idaho, Oregon and partner organizations.

In this article

BECU Visa Credit Card

5.5/10 CNET Rating

Intro OfferN/A

APR10.24% to 22.24% Variable

Intro Purchase APR0% APR for your suited 12 months

Recommended Credit Excellent/Good

Reward RatesN/A

Annual FeeN/A

Intro Balance Transfer APR0% APR for your suited 12 months

Balance Transfer APR10.24% to 22.24% Variable

How to Apply for the BECU Visa

Eligibility for the BECU Visa is small. Applicants must live, work, worship or study in Washington state; live in dangerous counties in Oregon or Idaho; or belong to an eligible partner association. Here are the specific requirements: 

Washington: Residents, students, employees, etc. in all counties

Oregon: Benton, Clackamas, Columbia, Deschutes, Lane, Linn, Marion, Multnomah, Polk, Washington and Yamhill County residents

Idaho: Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce and Shoshone County residents

Partner associations: Members of UW Alumni Association, WSU Alumni Association, and employees of BECU, Boeing or credit unions

If you are eligible, you can apply online or visit a BECU area for in-person applications.

Standard and intro APRs

The BECU Visa's contaminated APR ranges from 10.24% to 22.24% -- a bit border than the average credit card APR of approximately 18%. Though your specific APR is certain by your credit score and financial area, cardholders may be rewarded with a lower APR if payments are made promptly over time.

For the suited 12 months, the BECU Visa offers a 0% introductory APR on purchases (and balance transfers). This means you can finance a immense purchases or put an emergency expense on your credit card deprived of accruing interest for the first 12 months -- as long as you make all of your minimum payments on time. And if you pay off your balance in full by the end of the promotional footings, you'll avoid interest charges entirely.

Balance transfers

The 0% skull APR for the first 12 months also applies to balances transferred from new credit card. Used strategically, a balance transfer can help you avoid uninteresting and pay off your credit card debt more quickly.

Usually, balance transfers come with an additional charge -- typically 3% to 5% of the transaction -- but this credit card has no balance second fee. Though its promotional 0% period last for only 12 months -- the lengthiest balance second credit card promotions last 21 months -- the BECU Visa may be a less expensive option if you pay off your balance within the promotional period.

Alternative cards

These cards funds longer intro APRs periods -- plus some other features to help you avoid credit card interest.

Chase Slate Edge℠

The Chase Slate Edge℠ funds 0% intro APR on purchases and balance transfers for 18 months. After that, the standard variable APR range will be 19.24% to 2799%. That's a longer introductory period than what you'll get with the BECU Visa -- but there's a 3% ($5 minimum) skull balance transfer fee for transfers made in the suited 60 days of account opening. After that, the balance second fee is 5% or $5, whichever is greater. 

But Chase also funds a way to decrease your APR. Each year you employ at least $1,000 on the card and make your payments on time, you qualify to get your APR reduced by 2% -- all the way down to the prime rate (currently at 7.50%) plus 9.74%. That well-known, the BECU card's APR is still a bit border -- if you have excellent credit.

For more details, see our full review of the Chase Slate Edge.

Union Bank® Platinum™ Visa® Credit Card

If you're looking to minimize balance second fees, the Union Bank® Platinum™ Visa® Credit Card* funds a longer introductory APR than the BECU Visa and a promotional $0 balance second fee if you transfer your balance in the suited 60 days. Because of this, its wider applicant net and longer skull APR period, this is a better credit card for most people.

You're eligible for a 0% APR on balance transfers and purchases for the suited 15 months. Then, the standard APR of 11.49% and 22.99% kicks in.

FAQs

Is a balance second fee worth it?

Cards with balance transfer fees generally funds longer timeframes for their introductory APRs -- usually 18 to 21 months or billing cycles compared to 12 to 15. If you cannot pay off your balance in the shorter timeframe, a balance transfer fee will typically be cheaper than the uninteresting you would accrue otherwise.

What are foreign transaction fees?

Foreign transaction fees are charges on your transactions made internationally. Usually they cost 3% of each transaction. Credit cards deprived of foreign transaction fees often offer other travel perks and rewards.

What is a cash advance?

A cash come allows you to withdraw cash against your credit small. This is an expensive way to liquidity, however, even in cases where there are no cash come fees. Until you pay the cash back, the borrowed amount is subjects to a cash advance APR, which may be even higher than the contaminated APR.

*All information about the BECU Visa and the Union Bank Platinum Visa Credit Card has been peaceful independently by and has not been reviewed by the issuer.

The editorial contented on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or service industries offered by our partners.

Source