Gesa Wise Credit Card

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Gesa Wise Visa® Credit Card offers a straightforward solution for individuals seeking a low-interest credit card without the burden of annual fees. With a 0% introductory APR on balance transfers and competitive ongoing rates, it’s designed for those who prioritize financial flexibility and simplicity.

Issued by Gesa Credit Union, this card combines essential features with community-focused benefits, making it a wise choice for everyday use.

Continue reading to discover how the Gesa Wise Visa® Credit Card can support your financial goals with its practical advantages.

Meet the Issuer

Gesa Credit Union is a Washington-based financial institution committed to providing personalized services to its members. With a focus on community engagement and financial education, Gesa offers a range of products including credit cards, loans, and savings accounts.

By choosing Gesa, members benefit from competitive rates, exceptional service, and initiatives that give back to local communities through scholarships and sponsorships.

The Wise Visa® Credit Card exemplifies Gesa’s dedication to offering value-driven financial solutions tailored to members’ needs.

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Main Benefits of the Card

  • 0% Introductory APR: Enjoy a 0% APR on balance transfers for the first 6 months. Balance transfers must be completed within 60 days from account opening to qualify for the introductory rate.
  • Competitive Variable APR: After the introductory period, benefit from a variable APR ranging from 13.24% to 25.24%, based on creditworthiness.
  • No Annual Fee: Access all card benefits without any yearly charges.
  • Auto Rental Collision Damage Waiver: Receive coverage for damage due to collision or theft for eligible rental vehicles when the card is used for the rental transaction.
  • Online and Mobile Account Management: Manage your account conveniently through Gesa’s digital banking platforms.
  • Community Impact: Support local initiatives as Gesa reinvests in community programs and education.

Gesa Wise: Fees and Commissions

This card comes with no annual fee, making it a cost-effective option for everyday use. The APR ranges from 13.24% to 25.24%, 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 Wise 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

  • Low Introductory APR:
    0% on balance transfers for six months.
  • No Annual Fee:
    Access all benefits without yearly costs.
  • Competitive Ongoing Rates:
    Variable APR as low as 13.24% after the introductory period.

Negative points

  • Limited Rewards Program:
    Does not offer cash back or points.
  • Membership Requirement:
    Must be a Gesa Credit Union member to apply.
  • Balance Transfer Fee:
    Balance transfers must be completed within 60 days to qualify for the introductory rate.

How to Apply for Gesa Wise Credit Card

  1. Visit the official Gesa Credit Union website.
  2. Navigate to the “Credit Cards” section and select “Wise Visa® Credit Card.”
  3. Click “Apply Now” to begin the application process.
  4. Provide personal information, including Social Security number and income details.
  5. If not already a member, complete the Gesa Credit Union membership application.
  6. Review and submit your application for approval.
  7. Upon approval, receive your card by mail within 7–10 business days.
  8. Activate your card online or via phone and start managing your finances wisely.
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How to contact Gesa Wise

For assistance with your Gesa Wise 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 Wise Visa® Credit Card offers a practical combination of low introductory rates, no annual fee, and essential benefits, making it a suitable choice for individuals seeking financial flexibility. While it doesn’t offer a rewards program, its straightforward features and community-focused approach provide value to cardholders. Apply today to take advantage of these benefits and manage your finances wisely.