Credit Cards — Wise Secured Card Secured by your available savings account funds No annual fee No balance transfer fee 0% APR* intro rate Variable rates of 6.99% - 18.99% APR after introDetails Benefits Why Gesa FAQ Securely build your credit A Gesa Wise 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. 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 Secured by the available funds in your share savings account 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 Secured Credit Card Disclosure for further details. * APR = Annual Percentage Rate. Offer valid on new Visa® Wise Secured 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 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 Secured Card BankAmericard® Secured Card Discover it® Secured Card Capital One® Secured Mastercard® None $10 or 3% of the amount of each transaction, whichever is greater Intro fee of 3% of the amount of each transaction, after intro period 5% 3% for any promotional APR, otherwise none APR for Purchases Gesa Wise Secured Card BankAmericard® Secured Card Discover it® Secured Card Capital One® Secured Mastercard® 0% intro rate for 6 months, after intro period standard variable APR as low as 6.99% Standard variable APR as low as 22.99% Standard variable APR as low as 22.99% Standard variable APR as low as 26.99% APR for Balance Transfers Gesa Wise Secured Card BankAmericard® Secured Card Discover it® Secured Card Capital One® Secured Mastercard® 0% intro rate for 6 months, after intro period standard variable APR as low as 6.99% Standard variable APR as low as 22.99% 10.99% intro rate for 6 months, after intro period standard variable APR as low as 22.99% Standard variable APR as low as 26.99% 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