Gesa Cash Rewards Visa® Credit Card offers unlimited 1.5% cash back on all purchases, making it an excellent choice for those seeking straightforward rewards without the hassle of rotating categories or annual fees.
Issued by Gesa Credit Union, this card combines generous cash back rewards with robust security features and a competitive introductory APR, providing value and peace of mind to cardholders.
Continue reading to discover how the Gesa Cash Rewards Visa® Credit Card can enhance your financial experience with its exceptional benefits.
Meet the Issuer
Gesa Credit Union is a Washington-based financial institution committed to providing personalized financial services to its members. With a focus on community and innovation, Gesa offers a range of products including credit cards, loans, and digital banking tools.
By choosing Gesa, members gain access to competitive rates, exceptional service, and financial products designed to meet their unique needs and goals.
The Cash Rewards Visa® Credit Card exemplifies Gesa’s dedication to delivering value-driven solutions that cater to members’ lifestyles.
Main Benefits of the Card
- Unlimited 1.5% Cash Back: Earn 1.5% cash back on all purchases with no caps or categories to track.
- $100 Bonus: Receive a $100 cash back bonus after spending $1,000 in qualified purchases within the first 90 days of account opening.
- 0% Introductory APR: Enjoy a 0% APR on balance transfers for the first 6 months.
- No Annual Fee: Access all benefits without any yearly charges.
- Visa® Signature Concierge: Access to 24/7 concierge services for travel, dining, and entertainment assistance.
- Purchase Security: Protection against theft or damage for eligible purchases within the first 90 days.
- Extended Warranty Protection: Doubles the manufacturer’s warranty for eligible purchases.
- Travel and Emergency Assistance Services: 24/7 access to emergency services while traveling.
- Auto Rental Collision Damage Waiver: Coverage for damage due to collision or theft for eligible rental vehicles.
- Identity Theft Protection: Assistance in restoring your identity in the event of theft.
Gesa Cash Rewards: Fees and Commissions
This card comes with no annual fee, making it a cost-effective option for everyday use. The APR ranges from 17.49% to 28.99%, varying based on creditworthiness. A 0% introductory APR applies to balance transfers for the first 6 months.
Balance transfers must be completed within 60 days from the date the account is opened to obtain the introductory rate. After the introductory period, the APR will return to the regular variable rate based on the Prime Rate as published in the Wall Street Journal.
Note: Rates and fees are subject to change. Always refer to Gesa’s official website for the most current information.
Card limit
The credit limit for the Gesa Cash Rewards Visa® Credit Card is determined based on the applicant’s credit profile and income. While specific limits vary, Gesa aims to provide credit lines that suit members’ financial needs.
Responsible card usage and timely payments can lead to credit limit increases over time, enhancing purchasing power and credit score.
Positive points
- High Rewards Rate:Earn unlimited 1.5% cash back on every purchase with no rotating categories or caps.
- No Annual Fee:Enjoy full card benefits year-round without paying any annual maintenance fee.
- Introductory APR:Pay 0% interest on balance transfers for six months, ideal for managing existing credit card debt.
Negative points
- Membership Requirement:Application is limited to Gesa Credit Union members, which may restrict access for some users.
- Limited Bonus Offers:No ongoing promotional deals or rotating offers beyond the initial sign-up bonus.
- Balance Transfer Fee:To qualify for the intro rate, transfers must be made within 60 days of account opening.
How to Apply for Gesa Cash Rewards Credit Card
- Visit the official Gesa Credit Union website.
- Navigate to the “Credit Cards” section and select “Cash Rewards Visa® Credit Card.”
- Click “Apply Now” to begin the application process.
- Provide personal information, including Social Security number and income details.
- If not already a member, complete the Gesa Credit Union membership application.
- Review and submit your application for approval.
- Upon approval, receive your card by mail within 7–10 business days.
- Activate your card online or via phone and start earning rewards.
How to contact Gesa Cash Rewards
For assistance with your Gesa Cash Rewards Visa® Credit Card, reach out through the following channels:
- Customer Service Phone: 1-888-946-4372
- Email: Secure messaging available through online banking
- Live Chat: Accessible via Gesa’s website during business hours
The Gesa Cash Rewards Visa® Credit Card offers a compelling combination of high cash rewards, no annual fee, and robust security features. It’s an excellent choice for those seeking a straightforward, rewarding credit card experience. Apply today to take advantage of these benefits and enhance your financial journey.
