Gesa Credit Union Credit Card Review 2024

Establishing or rebuilding credit can be a challenging task, but the Gesa Credit Union Platinum Card offers a viable solution. With its attractive introductory offers, reasonable ongoing APRs, and credit-building features, this card caters to those seeking to improve their credit standing.

Gesa Credit Union Credit Card Review
Gesa Credit Union Credit Card Review

Discover the benefits, the application process, and an unbiased analysis of the pros and cons in this post.

About Gesa Credit Union

Gesa Credit Union is a community development financial institution (CDFI) that operates approximately 30 locations in Washington. It participates in the CO-OP Shared Branch network, boasting over 5,500 shared branches across the United States. Members can also utilize more than 70,000 surcharge-free ATMs through the CU24 credit union ATM network, providing extensive accessibility and convenience.

The Gesa Credit Card

The Gesa credit card offers an excellent opportunity to establish credit or rebuild credit, catering to both those starting their credit journey and those seeking a fresh start. It presents an enticing introductory offer, with a 0% APR* on purchases for 12 months and on balance transfers for 12 months. After the introductory period, variable rates range from 14.24% to 25.99% APR, based on creditworthiness, ensuring flexibility for diverse financial situations.

Rates, Fees & Offers

The Gesa credit card stands out with its fee structure and introductory offers. It carries no annual fee, making it an affordable option for consumers. Additionally, it does not offer a rewards program or a sign-up bonus, focusing instead on providing a straightforward credit-building experience.

The card’s introductory APR offer is particularly attractive, with 0% APR on purchases for 12 months and on balance transfers for 12 months. This introductory rate can be beneficial for those looking to finance larger purchases or consolidate existing balances from other credit cards. After the introductory period, the ongoing APR ranges from 14.24% to 25.99% Variable APR, based on creditworthiness, allowing for a tailored approach based on individual credit profiles.

It’s worth noting that the card charges a balance transfer fee of 3% and a foreign transaction fee of 1%, factors to consider for those planning to use the card for balance transfers or international transactions.

Fees Overview

  • Annual fee – $0
  • Rewards rate – N/A
  • Bonus offer – No bonus.
  • Intro APR – N/A
    • Ongoing APR – APR: 14.24%-25.99% Variable APR
      Penalty APR: Up to 26.99%, Variable
      Cash Advance APR: 25.99%, Variable
  • Balance transfer fee – 3%
  • Foreign transaction fee – 1%

Gesa Credit Card Benefits

The Gesa credit card provides several benefits to its cardholders, enhancing the overall experience and offering added value. One notable benefit is the Auto Rental Collision Damage Waiver, which provides coverage for rental cars in case of collision damage, potentially saving cardholders from costly rental car insurance fees.

Moreover, the card offers zero fraud liability, ensuring that cardholders are protected from unauthorized charges on their accounts. This added security measure provides peace of mind and minimizes potential financial risks.

Importantly, the Gesa credit card reports to major credit bureaus, including Experian, Equifax, and TransUnion. This reporting feature is crucial for individuals aiming to build or improve their credit scores, as timely payments and responsible credit management can positively impact their credit profiles.

How to Apply for the Gesa Credit Union Platinum Card

Applying for the Gesa Credit Union Platinum Card is a straightforward process that can be completed online or at a local Gesa Credit Union branch. Here are the steps to follow:

  • Visit the Gesa Credit Union website ( or go to your nearest Gesa Credit Union branch.
  • Navigate to the credit card section on the website or inform the branch representative of your intention to apply for a credit card.
  • Review the different credit card options available and select the Gesa Credit Union Platinum Card as your desired choice.
  • Click on the “Apply Now” button if applying online or request an application form from the branch representative.
  • Fill out the credit card application form with the required personal and financial information, such as your Social Security Number, address, and annual income.
  • Carefully review the terms and conditions of the credit card to ensure you understand the details and requirements.
  • Submit your credit card application either online or in person at the branch.
  • Wait for Gesa Credit Union to review your application and make a decision.
  • Once approved, you will receive your new Gesa Credit Union Platinum Card in the mail, along with instructions on activating and using the card.

It’s important to note that Gesa Credit Union considers applicants with fair credit, making the Platinum Card an accessible option for those looking to establish or rebuild their credit history. Additionally, the credit union evaluates various factors, such as income, employment status, and credit score range, during the application process.

Gesa Credit Union: Overall Rating

Gesa Credit Union has received positive reviews and ratings from industry experts, reflecting its commitment to providing quality financial services to its members. The credit union has earned an overall rating of 4.25 out of 5, highlighting its strength and trustworthiness.

The breakdown of ratings for specific product categories is as follows:

  • Savings: 4 out of 5
  • Checking: 4.25 out of 5
  • Money Market Account: 3.5 out of 5
  • Certificates of Deposit (CDs): 4 out of 5
  • Trustworthiness: 5 out of 5

These ratings demonstrate Gesa Credit Union’s strong performance across various financial product offerings, with particularly high marks for its checking accounts and overall trustworthiness. The credit union’s commitment to serving its members and the community is evident in its recognition as a Community Development Financial Institution (CDFI).

Pros and Cons of the Gesa Credit Union Platinum Card

Like any financial product, the Gesa Credit Union Platinum Card has its advantages and disadvantages, which should be carefully considered before applying.


  • Potentially lower-than-average purchase APRs, ranging from 6.99% to 18.99% Variable APR.
  • 0% APR introductory rate on balance transfers for up to 12 months.
  • No balance transfer fee, making it cost-effective for those looking to consolidate existing credit card balances.
  • 0% APR on new purchases during the first 6 months, followed by a variable purchase APR ranging from 6.99% to 18.99%.
  • No annual fee, making the card an affordable choice for those on a budget.
  • Offers Auto Rental Collision Damage Waiver, providing coverage for rental cars in case of collision damage.
  • Considers applicants with fair credit, making it accessible to those looking to establish or rebuild their credit history.
  • Reports to multiple credit bureaus, allowing responsible credit management to positively impact credit scores.


  • Does not offer a sign-up bonus or reward program, limiting the potential for earning rewards or cash back on purchases.
  • Charges a foreign transaction fee of up to 1%, making it less favorable for international travel or purchases made in foreign currencies.


The Gesa Credit Union Platinum Card presents a solid option for individuals seeking to establish or rebuild their credit, with its attractive introductory offers, reasonable ongoing APRs, and credit-building features.

It may not be the ideal choice for those prioritizing rewards or planning extensive international travel. As with any financial decision, it’s essential to carefully evaluate your specific needs and preferences before applying for the card.



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