Cash Back Visa
BECUNo annual feeVisa TraditionalNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
$200
after $2,000 in purchases in the first 3 months
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus$200 cash | $200 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | $0 |
| Meeting the $2,000 minimumearns 1.5% here vs 2% on Double Cash | −$10 |
| First year | $190 |
| Each year after | +$105 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 1.5% | Everything else | 1.5% |
Personal card · Earns Cash Back
Benefits
Protections (7)
- Trip Cancellation/Interruption, up to $2,000, Up to $2,000 per insured person for non-refundable common carrier ticket costs when trip is cancelled or interrupted due to death, accidental bodily injury, disease or physical illness, or carrier default due to financial insolvency.
- Lost Luggage Reimbursement, up to $1,250, Up to $1,250 per covered trip for checked luggage lost due to theft or misdirection by the common carrier. Supplemental to other insurance.
- Baggage Delay Protection, up to $300, Up to $100 per day for up to 3 days ($300 total) for essential items when checked baggage is delayed or misdirected more than 4 hours from arrival.
- Price Protection, up to $500, Up to $500 per item if identical item found advertised for less within 60 days of purchase. Up to $2,500 per year. U.S. purchases only.
- Extended Warranty, up to $10,000, Doubles manufacturer's U.S. warranty up to one additional year on eligible warranties of 3 years or less. Up to $10,000 per claim, $50,000 per cardholder.
- Travel Accident Insurance, up to $500,000, Up to $500,000 coverage when common carrier travel fare is charged to card. Covers accidental loss of life, limb, sight, speech, or hearing.
- NortonLifeLock ID Navigator, Dark web monitoring, data breach notifications, one-bureau credit monitoring alerts and stolen wallet assistance
Other Perks
- Pay-per-use roadside dispatch (towing, tire service, jump starts, lockout service, fuel delivery)
- 24/7 travel and emergency assistance services (emergency ticket replacement, translation services, prescription assistance)
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to BECU Cash BackOct 8, 2026
- changed from null to 2000Aug 13, 2026
- changed from null to 90Aug 13, 2026