The Gesa Wise Visa Credit Card is an excellent option for those seeking a credit card with competitive rates and practical benefits. With 0% intro APR on balance transfers and no annual fee, this card helps you save and stay in control.
In addition, the card offers secure transactions, fraud protection, and compatibility with digital wallets, ensuring everyday convenience and safety.
If you are looking for a reliable and economical card, keep reading to learn all the details about the Gesa Wise Visa Credit Card.
Meet the Issuer
Gesa Credit Union is a financial cooperative with a strong presence in Washington State, United States. Dedicated to personalized service and member-focused products, Gesa offers accessible and advantageous financial solutions.
The Wise Visa® Credit Card is one of the most popular options from Gesa, designed for customers seeking competitive interest rates and practical benefits. With a focus on savings and security, the card reflects Gesa’s commitment to providing real value to its members.
This combination of benefits makes the Wise Visa® Credit Card a smart choice for those who want more financial control in their daily lives.
Main Benefits of the Card
0% Introductory APR on Balance Transfers: Enjoy 0% interest on balance transfers made within the first 60 days of account opening, valid for six months.
No Annual Fee: Keep your card active without worrying about any annual fees.
Competitive APR: After the introductory period, the variable APR will be based on the Prime Rate published in the Wall Street Journal.
Fraud Protection: Benefit from zero liability for unauthorized transactions and continuous security monitoring.
Travel Benefits: Includes collision damage coverage for rental vehicles and worldwide card acceptance.
Digital Wallet Compatibility: Use your card with Apple Pay, Google Pay, and other digital wallets for fast, secure payments.
Gesa Mobile App: Manage your card, monitor expenses, and pay bills directly through the Gesa app.
Gesa Wise: Fees and Commissions
The Gesa Wise Visa® Credit Card has no annual fee, allowing you to take full advantage of all benefits without additional costs.
During the first six months after opening your account, you’ll enjoy a 0% APR on balance transfers made within the initial 60 days. After this period, a variable APR will apply, based on the Prime Rate published in the Wall Street Journal.
All terms and conditions are subject to change. It is recommended to verify the latest information on Gesa’s official website before applying.
Card Limit
The credit limit for the Gesa Wise Visa® Credit Card is determined based on the applicant’s financial profile, including credit history, income, and their relationship with Gesa.
Customers with a strong financial background may qualify for higher limits, offering more purchasing flexibility and access to benefits. Gesa conducts periodic reviews, allowing credit limit adjustments based on responsible card use.
Positive points
- Introductory APR Offer:Benefit from 0% APR on balance transfers for the first six months, helping manage existing debts with no interest.
- No Annual Fee:Enjoy the full range of benefits without worrying about annual fees eating into your budget.
- Seamless Digital Payment:Integrate with popular digital wallets for convenient and secure contactless payments.
Negative points
- No Rewards Program:The card does not offer cash back, points, or miles, focusing solely on savings and balance transfer benefits.
- Approval Requires Good Credit:Applicants need a solid credit history to improve their chances of approval and secure favorable terms.
- Limited Travel Benefits:While some coverage is included, the card lacks premium travel perks found in higher-tier credit cards.
How to Apply for Gesa Wise Credit Card
- Visit the official website of Gesa Credit Union.
- Navigate to the credit cards section.
- Select the Wise Visa® Credit Card.
- Click on “Apply Now” to start your application process.
- Complete the form with your personal and financial information.
- Review all the entered data and submit your application.
- Wait for Gesa’s credit analysis and response.
- Once approved, your card will be mailed to your registered address.
How to Contact Gesa Wise
- Phone: 1-888-946-4372
- Online Chat: Available on Gesa’s official website
- Mobile App: Manage your account and receive support through the Gesa app
- Email: Accessible via the secure platform within internet banking
The Gesa Wise Visa® Credit Card is the perfect choice for individuals looking for a credit card that offers competitive rates, security, and convenience. With no annual fee and an attractive introductory APR on balance transfers, it provides an affordable and flexible solution for everyday spending.
If you’re seeking a card that prioritizes financial control and simplicity, this could be the ideal option for you. Apply now and gain more control over your finances while enjoying practical and secure transactions.