Important Notice

  • We will be performing system maintenance on Sunday, September 22 from 12:00 a.m. to 6:00 a.m. During this time Xpress Digital and Telephone Banking will be unavailable. We appreciate your patience and thank you for your membership in Gesa Credit Union.

Credit Cards

Whether you're starting out, starting over, or looking for the convenience and security of a Visa® credit card, we have your back. All our credit cards include fraud protection with Visa's Zero Liability® policy.

Diamond Cash Back Credit Card

The Diamond Cash Back credit card is the rewards card you've been asking for. Get the rewards you deserve with unlimited 1.50% cash back earned on all purchases. Benefits include:

Gesa Platinum Card

With the Gesa Visa® Platinum credit card, you'll have the convenience of online shopping and traveling, along with an everyday low interest rate. Benefits include:

  • 0% APR* intro rate on purchases for 6 months and on balance transfers for 12 months; after that, variable rates from 9.25% - 18.00% APR, based on your creditworthiness
  • No annual fee
  • No cash advance fee
  • No balance transfer fee
  • Auto Rental Collision Damage Waiver

Share Secured Visa® Card

A Gesa Share Secured Visa credit card is the perfect way to establish credit or build good credit, whether you're starting out or starting over. This card is secured by the available funds in your share savings account. Benefits include:

  • 0% APR* intro rate on purchases for 6 months and on balance transfers for 12 months; after that, variable rates from 9.25% - 18.00% APR, based on creditworthiness
  • No annual fee
  • No cash advance fee
  • No balance transfer fee
  • Auto Rental Collision Damage Waiver

Fraud Protection with Zero Liability®

Visa's® Zero Liability policy provides you with maximum protection against fraud. Whether you're paying bills online or purchasing an item online, over the phone, or in a store (here or overseas), you're protected. Zero Liability means you won't pay if there is a monetary loss resulting from unauthorized fraudulent use of your card.

Visa Credit Card Rates

Visa® Product APR*
(as low as)
Daily Periodic Rate
Visa® Diamond Cash Back 12.25% 0.03356%
Visa® Platinum 9.25% 0.02534%
Share Secured Visa® Credit Card 9.25% 0.02534%

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

Notes and Fees

Zero Liability: U.S.-issued cards only. Visa's Zero Liability policy does not apply to commercial card or ATM transactions, or to PIN transactions not processed by Visa. Learn about Visa Zero Liability. Learn about Visa Zero Liability.

To request a copy of your card holder agreement, please contact our Member Contact Center by calling 888.946.4372.

Visa Credit Card Disclosure.

Visa Diamond Cash Back Rewards Terms and Conditions.

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* APR = Annual Percentage Rate. Offer valid on new Visa Diamond Cash Back, Visa Platinum, and Visa Share Secured credit card accounts only. For qualifying new accounts, introductory rate is valid for all purchase transactions for 6 months from the date the account is opened, and balance transfer rate is valid for 12 months from the date of the first qualifying balance transfer if completed within the first 60 days the account is opened. After introductory or balance transfer periods have concluded, the APR will return to the regular rate and monthly periodic rate as specified in the Card Agreement (currently 12.25% – 18.00% for Diamond Cash Back and 9.25% – 18.00% for Platinum). The APR is a variable rate that is based on the Prime Rate as published in the Wall Street Journal.