The Gesa Cash Rewards credit card offers various benefits that may perfectly align with your everyday needs, whether you are a frequent shopper or someone who wants to manage their expenses efficiently.
Furthermore, the exclusive benefits available make this card an attractive option for many consumers. Combining cashback and no annual fee, it stands out among competitors in the financial market.
This card is a powerful tool that can help you save and enjoy the best deals available. So, keep reading to discover why it might be the ideal choice for you.
About the Issuer
Gesa Credit Union is a financial institution based in Washington, known for offering competitive and accessible financial products to its members. As a credit union, its focus is on benefiting its members by providing lower rates and better terms compared to traditional banks.
Gesa is especially recognized for its commitment to the community and for offering financial services that meet a wide range of needs. In addition to a variety of savings and investment accounts, Gesa Credit Union provides credit cards designed to meet the different needs of its members.
With a strong local presence, the credit union offers personalized service, allowing you to have a close relationship with your financial institution. This makes Gesa a reliable choice for those seeking differentiated and more personal banking services.
Benefits
Cashback on All Purchases: The Gesa Cash Rewards card offers 1.5% cashback on all purchases, meaning that with every transaction, you are automatically earning cash rewards that can be used for future purchases or even to reduce your card balance. This cashback is unlimited, allowing you to maximize your earnings regardless of how much you spend each month.
Welcome Bonus: As an additional incentive for new cardholders, Gesa Cash Rewards offers a $100 bonus after you spend $1,000 in the first 90 days. This bonus can be used to offset your bill or for any other need, providing a significant financial boost right from the start.
Competitive Interest Rate: The card offers a 0% APR introductory rate for balance transfers for the first 6 months. This zero-rate can be an excellent way to consolidate debt from other credit cards at a reduced cost, helping you save on interest during this initial period. After 6 months, the rate returns to a competitive variable rate based on the Prime rate.
Visa Signature Concierge Access: Gesa Cash Rewards cardholders have access to the Visa Signature Concierge service, which provides personalized support in various situations, such as travel planning, restaurant reservations, and even last-minute shopping. This service is ideal for those seeking convenience and exclusivity in their daily lives.
Protection and Security: The card comes with various security features, including fraud protection, credit monitoring, and purchase insurance. Additionally, Gesa Credit Union implements strict security measures to ensure your transactions and personal information are always protected.
Easy Access and Management: Gesa cardholders have access to the Gesa Credit Union mobile app, which allows for quick and efficient management of finances, including monitoring expenses, paying bills, and more.
No Annual Fee: The Gesa Cash Rewards card does not charge an annual fee, making it even more attractive for those who want to maximize benefits without incurring additional costs.
Gesa Cash Rewards Credit Card – Fees and commissions
The fees associated with the Gesa Cash Rewards credit card are competitive, including a 0% APR introductory rate for balance transfers for 6 months, followed by a variable rate between 18.49% and 28.99%.
It’s important to remember that these rates may be updated, so it’s always advisable to review the terms directly with Gesa before making an official application.
Card limit
The credit limit on the Gesa card may vary based on your credit analysis and financial situation. This ensures that each member receives a limit aligned with their needs and repayment capacity.
To learn more about your specific limit, it’s recommended to contact Gesa Credit Union directly for a detailed evaluation.
Positive points
- Cashback Program:1.5% on all purchases.
- Attractive Bonus:$100 after $1,000 in purchases.
- 0% Introductory Rate:Ideal for balance transfers.
Negative points
- Rate Variability:Rates may vary and increase after the introductory period.
- Credit-Based Limit:Limit based on credit analysis.
- Geographic Coverage:Gesa services are limited to certain regions.
How to apply for Gesa Cash Rewards Credit Card
- Visit the official Gesa Credit Union website;
- Choose the desired card and click “Get started“;
- Fill out the application form with your personal information;
- Submit the necessary documents for verification;
- Await Gesa’s review and approval;
- Once approved, receive your card, activate it, and start using it.
How to contact Gesa
For any questions about the Gesa Cash Rewards credit card, use the following channels:
- Phone: Call (888) 946-4372.
- In-Person: Visit a Gesa branch for in-person assistance.
For more information and to start enjoying the benefits, visit the official Gesa website and apply for your card today!
