BECU Buisiness Low Rate
BECU and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of BECU. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The BECU Buisiness Low Rate from BECU earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use points the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 0x points.
What does the BECU Buisiness Low Rate earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how BECU Buisiness Low Rate compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how BECU Buisiness Low Rate compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the BECU Buisiness Low Rate?
The BECU Buisiness Low Rate fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
BECU Buisiness Low Rate fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points.
Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use points the way you redeem today.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- points value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
Does the BECU Buisiness Low Rate have an annual fee?
The BECU Buisiness Low Rate has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the BECU Buisiness Low Rate?
The BECU Buisiness Low Rate includes Auto Rental Collision Damage Waiver, Booking.com, Extended Warranty Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty Protection
$10,000/yrEnsure your new purchase goes the distance with your Visa card's Extended Warranty Protection, allowing you to manage and even extend potential warranties beyond their original protection.
Purchase Security
$10,000/yrWithin the first 90 days of purchase, Purchase Security will, at the Benefit Administrator's discretion, replace, repair, or reimburse you for eligible items of personal property purchased entirely with your eligible Business Visa card up to a maximum of $10,000 per claim and $50,000 per cardholder in the event of theft or damage. Purchase Security protects eligible items of personal property you purchase entirely with your eligible U.S.-issued Business Visa® credit card.
Purchase Security and Extended Protection
$10,000/yrPurchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Worldwide Automatic Travel Accident Insurance
$25/yrNot only does the card cover insurance if you cancel the trip, but insurance when you're on the trip! What's more, the coverage applies no matter what corner of the world you're in. Simply pay for your airline, cruise line, or train travel with your BECU Visa and be eligible to receive travel accident insurance up to $500,000.
Travel and Emergency Assistance Services
$10/yrPack your peace-of-mind and leave your worries behind. Cardholders are connected with their needed resources when traveling 24 hours a day, 365 days a year. Benefits include everything from emergency ticket replacement and lost luggage service, to translation services and even prescription assistance.
Auto Rental Collision Damage Waiver
$10/yr(ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Related encyclopedia topics
Common questions about the BECU Buisiness Low Rate
Does the BECU Buisiness Low Rate have an annual fee?
The BECU Buisiness Low Rate carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the BECU Buisiness Low Rate?
Dining is the strongest Madeen category for the BECU Buisiness Low Rate at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the BECU Buisiness Low Rate charge foreign transaction fees?
The BECU Buisiness Low Rate does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the BECU Buisiness Low Rate?
Madeen's catalog lists a typical credit range of Good for the BECU Buisiness Low Rate. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the BECU Buisiness Low Rate?
Rewards on the BECU Buisiness Low Rate post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the BECU Buisiness Low Rate?
To maximize the BECU Buisiness Low Rate, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the BECU Buisiness Low Rate compare to similar cards?
Compare the BECU Buisiness Low Rate against BECU Business Cash Back (1.5% on Dining, $0 fee); BECU Cash Back (1.5% on Dining, $0 fee); BECU Low Rate (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
BECU Buisiness Low Rate This card | Dining | 0% | $0 |
| Dining | 1.5% | $0 | |
BECU | Dining | 1.5% | $0 |
BECU | Dining | 0% | $0 |
BECU | Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
BECU and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of BECU. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure