The Gesa Cash Rewards credit card is ideal for those seeking simplicity and efficiency in daily finances. With this card, you can enjoy a smooth financial experience, earning rewards with every purchase.
It’s perfect for all your daily needs, from grocery shopping to filling up your car with fuel. Each transaction is rewarded, ensuring you get the maximum value from your money.
The ease of use and absence of annual fees make the card an attractive choice for anyone. Learn more about it in the content we’ve prepared especially for you!
About the Issuer
Gesa Credit Union is a community-focused financial institution. Founded to meet local needs, Gesa offers a range of financial services that include checking accounts and credit cards like Gesa Cash Rewards.
With a strong market presence, Gesa Credit Union is dedicated to offering affordable and high-quality financial solutions. Their products and services are designed to help members achieve their goals while contributing to local prosperity.
Commitment to financial education and community support are pillars of the institution, which gains new customers every day.
Benefits
Unlimited 1.5% Cashback: With the Gesa Cash Rewards Card, you earn 1.5% cashback on all purchases, with no limit. This means every purchase you make contributes to your rewards, providing significant returns over time.
$100 Cashback Bonus: By spending $1,000 on qualifying purchases within the first 90 days of account opening, you receive a $100 cashback bonus. This incentive is a great way to maximize your initial benefits.
0% APR on Balance Transfers: Enjoy an introductory 0% interest rate on balance transfers for the first 6 months. After this period, variable rates based on your creditworthiness apply, helping you manage debts more efficiently.
No Annual Fee: The Gesa Cash Rewards Card has no annual fee, allowing you to save more and enjoy all the card’s benefits without additional costs.
Visa® Signature Concierge: Enjoy the Visa® Signature concierge service, offering personalized assistance for travel bookings, restaurant recommendations, and more, making your experiences more convenient and enjoyable.
No Balance Transfer Fee: In addition to the 0% APR introductory rate, the card also does not charge balance transfer fees, further facilitating the management of your finances and debt transfers.
Visa Brand: The card is issued under the Visa brand, offering much more freedom for customers to shop wherever they want. Accepted in over 200 countries, enjoy shopping at millions of physical and online stores.
Security: Enjoy worry-free transactions, as the card is highly secure and Gesa offers numerous cutting-edge technologies to keep your information always protected.
Gesa Cash Rewards – Fees and commissions
The Gesa Cash Rewards credit card stands out for its transparency and competitiveness in rates and fees. There is no annual fee, which is already a significant differentiator. Additionally, no balance transfer fees are charged for 6 months, making it advantageous for those who need to consolidate debts from other cards.
After this introductory period, the APR returns to the normal and monthly periodic rate, which is between 18.49% and 28.99%. It is important to be aware of these rates to avoid surprises and use the card wisely.
When applying for the card, carefully read all terms and conditions to understand the other applicable fees and commissions, ensuring a fair and transparent agreement.
Card limit
The credit limit of the Gesa Cash Rewards card varies according to the applicant’s credit analysis. For customers with a good credit history, limits can be quite generous, providing financial flexibility.
Additionally, it is possible to request limit increases after a period of responsible card use. It is important to remember that responsible use of available credit is crucial to maintaining a good credit score and avoiding excessive debt.
Positive points
- NO ANNUAL FEESave the most with this card that does not charge an annual fee.
- ATTRACTIVE REWARDSEarn 1.5% on all purchases made with the card.
- NO FEES DURING INTRODUCTORY PERIODTransfer balances from other cards without additional costs.
Negative points
- ELIGIBILITYApproval criteria can be strict.
- VARIABLE INTEREST RATEThe APR can be high depending on the applicant’s credit history.
- HIGH RATE AFTER INTRODUCTORY PERIODDepending on your credit profile, rates can be high.
How to apply for Gesa Cash Rewards
To apply for the Gesa Cash Rewards card, follow the steps below:
- Access the official Gesa Credit Union website;
- Navigate to the credit card section and select the Cash Rewards card;
- Click on “Get Started” and fill out the online application form;
- Submit the application and wait for the credit analysis;
- If approved, you will receive the card in the mail in a few days.
How to contact Gesa Credit Union
If you want to obtain additional information about the Gesa Cash Rewards credit card, contact the bank to receive personalized assistance from the institution’s professionals:
- Phone: (888) 946-4372
- Branch: Visit the nearest bank branch for in-person assistance
With all these benefits and a fair fee structure, the Gesa Cash Rewards card is a great option for those looking to maximize the return on their daily purchases. If this is the case for you, visit the bank’s website and apply now!
