Gesa Cash Rewards Credit Card

The Gesa Cash Rewards Credit Card gives you unlimited 1.5% cashback on every purchase, with no annual fee.

It’s simple and easy to use, offering real rewards without rotating categories or confusing terms.

If you want to earn while you spend, keep reading and discover why this card may be the right one for you.

About the Issuer

The Gesa Cash Rewards Credit Card is issued by Gesa Credit Union, a not-for-profit financial institution based in Washington. As a member-owned credit union, Gesa reinvests earnings into better services and benefits.

Gesa focuses on helping members grow financially by offering fair rates, honest service, and easy-to-use tools. Their approach is centered on real people, not profit.

The credit union is also known for supporting local communities through education, partnerships, and responsive customer care—always putting members first.

Card Benefits

Unlimited cashback: Earn unlimited 1.5% cashback on every purchase you make, with no earning caps, expiration dates, or rotating categories—just consistent rewards every time you use your card.

Welcome bonus: Receive a $100 cash bonus after spending $1,000 within the first 90 days of opening your account, giving you a strong and easy start with immediate value back in your pocket.

0% APR on transfers: Pay no interest for the first 6 months on balance transfers completed within 60 days of account opening—an excellent opportunity to consolidate debts and save money.

No annual fee: Enjoy the full benefits of the card without ever having to pay a yearly maintenance fee, meaning you keep 100% of the rewards you earn with no hidden costs.

Visa Signature Concierge: Get 24/7 personal assistance with travel bookings, restaurant reservations, event planning, and more—designed to simplify your lifestyle and save you time.

Fraud monitoring: Stay protected with advanced fraud detection that monitors your transactions in real time, sending instant alerts for unusual activity and blocking unauthorized charges automatically.

Mobile control: Take full control of your card from the Gesa mobile app—check balances, review transactions, pay bills, and instantly lock or unlock your card for security and convenience.

Purchase protections: Enjoy extended warranty coverage on eligible items, auto rental insurance, and Visa travel protections to keep your purchases and plans secure wherever you go.

Gesa Cash Rewards Credit Card – Rates and Fees

This card offers a 0% introductory APR on balance transfers for the first 6 months. Transfers must be made within 60 days of opening the account.

After the intro period ends, a variable APR from 17.49% to 28.99% applies, depending on your creditworthiness and current Prime Rate.

There is no annual fee. Other charges (e.g., for late payments or cash advances) may apply and can be reviewed in the official Card Agreement. Rates and fees may change at any time without notice. Always check the official Gesa website before applying.

Credit Limit

The credit limit for the Gesa Cash Rewards Credit Card is determined by your credit history, income, and overall financial profile. Each applicant is evaluated individually during the application process.

New cardholders may receive a modest starting limit, which can increase over time with responsible use and on-time payments.

Positive points

Unlimited Cashback:
Earn 1.5% back on every purchase with no caps or rotating categories.
No Annual Fee:
Enjoy all the benefits of the card without paying a yearly maintenance fee.
0% APR on Transfers:
Get 6 months of no interest on balance transfers made within 60 days of opening.

Negative points

Modest Welcome Bonus:
$100 bonus may be lower than other cards offering bigger upfront rewards.
Requires Good Credit:
Approval typically depends on having a strong credit profile.
No Travel Points System:
Card focuses on cashback, not travel miles or premium travel perks.