Credit Cards — Wise Card With the Gesa Visa® Wise credit card, you’ll have the convenience of online shopping, along with an everyday low interest rate. No annual fee No balance transfer feeDetails Benefits Why Gesa FAQ For your everyday credit card needs 0% APR* intro rate on purchases and balance transfers for 15 months; after that variable rates of 6.99% - 18.99% APR apply based on creditworthiness No annual fee No balance transfer fee Auto Rental Collision Damage Waiver†Notes and Fees † Auto Rental Collision Insurance. Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa® card to secure transactions. Please refer to your Visa® Wise Credit Card Disclosure for further details. * APR = Annual Percentage Rate. Offer valid on new Visa® Wise credit card accounts only. For qualifying new accounts, introductory rate is valid for all purchase transactions for 15 months from the date the account is opened, and balance transfer rate is valid for 15 months from the date the account is opened 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 (as low as 6.99% for Wise and Wise Secured). The APR is a variable rate that is based on the Prime Rate as published in the Wall Street Journal. Comparison based on competitor data compiled on July 23, 2021 from company websites. Rates shown below do not include promotional rates or specials. Capital One®, Chase®, Bank of America®, Discover®, Wells Fargo, Citi®, and U.S. Bank® products are the property of their respective owners. Gesa Credit Union is not affiliated with or sponsored by any company mentioned. 0%APR* On all purchases & balance transfers for 15 months Competitor Credit Card ComparisonBalance Transfer FeeAPR for PurchasesAPR for Balance TransfersBalance Transfer Fee Gesa Wise Card Wells Fargo Platinum Card Citi® Diamond Preferred® Card U.S. Bank Visa® Platinum Card None Intro fee of 3% of the amount of each transfer, after intro period 5% (minimum of $5) Intro fee of $5 or 3% of the amount of each transfer, whichever is greater Intro fee of $5 or 3% of the amount of each transfer, whichever is greater APR for Purchases Gesa Wise Card Wells Fargo Platinum Card Citi® Diamond Preferred® Card U.S. Bank Visa® Platinum Card Standard variable APR as low as 6.99% Standard variable APR as low as 16.49% Standard variable APR as low as 13.74% Standard variable APR as low as 14.49% APR for Balance Transfers Gesa Wise Card Wells Fargo Platinum Card Citi® Diamond Preferred® Card U.S. Bank Visa® Platinum Card Standard variable APR as low as 6.99% Standard variable APR as low as 16.49% Standard variable APR as low as 13.74% Standard variable APR as low as 14.49% Why go with Gesa? When you bank with Gesa, you keep your money in your community and give back to local schools and organizations. $500,000+ given back to local communities Scholarship opportunities for local students Sponsorships and grants for local organizations and eventsLearn more about community impacts Still have questions?How do I apply? To get started, check out what you pre-qualify for in just a few minutes and with no ding on your credit score. Get startedCan I get an Affinity Credit Card? Yes! You can choose between two WSU athletics Affinity Cards that give back to the athletics teams with no extra charge to you. Explore WSU Affinity CardsWhat are the rates? Rates very and are subject to change at the first of every month, but you can explore rates further on our rates page. Explore Rates