BECU Cash Back
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 Cash Back from BECU earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn a $200 cash back bonus after you spend $2,000 on purchases in the first three months of account opening..
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
What does the BECU Cash Back earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how BECU Cash Back compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how BECU Cash Back compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 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 Cash Back?
The BECU Cash Back fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
BECU Cash Back fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 35% of the catalog in that category. 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 1.5% back. The welcome bonus can help if you can meet the spend requirement.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
What is the BECU Cash Back welcome bonus?
In Madeen's catalog snapshot, the BECU Cash Back welcome offer is Earn a $200 cash back bonus after you spend $2,000 on purchases in the first three months of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $200
- Terms (catalog snapshot)
- Earn a $200 cash back bonus after you spend $2,000 on purchases in the first three months of account opening.
- Minimum spend
- $2,000
- Window
- 3Months
Does the BECU Cash Back have an annual fee?
The BECU Cash Back 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 Cash Back?
The BECU Cash Back includes Baghgage Delay Protection, Booking.com, Dovly Uplift™ 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.
Trip Cancellation/Trip Interruption
$5,000/yrTrip cancelled due to injury or illness? Now the only thing you're out is lost memories – not lost cash, too. In the event your trip is cancelled or interrupted due to injury, illness, or another covered benefit, you will be reimbursed for up to $2,000.
Roadside Dispatch
$1,000/yris a pay-per-use roadside assistance program. It saves you money over traditional roadside assistance programs, providing security and convenience wherever your travels take you. From towing to tire changing, jump starting to lockout service, standard winching and even fuel delivery.
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.
Price Protection
$500/yrBought something, only for the price to drop just days later? Great news: The waiting game is over. Buy what you like, when you like. Your BECU Cash Back Visa offers protection on the price of an item for 60 days after you buy it. That's sixty days for an item you purchased to drop in price, and for you to get that price difference – up to $500 per item – refunded.
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.
Baghgage Delay Protection
$100/yrIf your baggage is delayed or misdirected for more than four (4) hours from the time you arrive at your destination, you're eligible to receive a reimbursement up to $100 per day with a maximum of three (3) days (or $300) on everything from your clothes to shoes to even that teddy bear your niece had to have.
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.
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.
Dovly Uplift™
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Related encyclopedia topics
Common questions about the BECU Cash Back
Does the BECU Cash Back have an annual fee?
The BECU Cash Back 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 Cash Back?
Dining is the strongest Madeen category for the BECU Cash Back at about 1.5% 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 Cash Back charge foreign transaction fees?
The BECU Cash Back 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 is the BECU Cash Back welcome bonus?
The BECU Cash Back welcome offer in our snapshot: Earn a $200 cash back bonus after you spend $2,000 on purchases in the first three months of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the BECU Cash Back?
Madeen's catalog lists a typical credit range of Excellent for the BECU Cash Back. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the BECU Cash Back?
Rewards on the BECU Cash Back post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the BECU Cash Back compare to similar cards?
Compare the BECU Cash Back against BECU Business Cash Back (1.5% on Dining, $0 fee); BECU Buisiness Low Rate (0% 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 Cash Back This card | Dining | 1.5% | $0 |
| Dining | 1.5% | $0 | |
| Dining | 0% | $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.
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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