Gesa Credit Union Diamond Cash Back Card

Gesa Credit Union Diamond Cash Back Card Review

This is a credit card issued by Gesa Credit Union. If you're wondering whether Gesa Credit Union Diamond Cash Back Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Signup bonus. Offers a signup bonus of $200 if you spend $2000 within 3 months.
• Competitive APRs. Gesa Credit Union Diamond Cash Back Card has a variable purchase APR that ranges from 10.24% up to 18.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers.
• Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

The Good	The Bad
Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No balance transfer fee. 0% APR on new purchases during the first 6 months. No annual fee. Multiple credit card perks. Gesa Credit Union Diamond Cash Back Card reports to multiple credit bureaus.	Requires good to excellent credit. Does not offer rewards or cash back. You don't earn rewards on every purchase.

Does Gesa Credit Union Diamond Cash Back Card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

What are the Gesa Credit Union Diamond Cash Back Card benefits?

It provides the following benefits:

• Reports to major credit bureaus

What are the relevant APRs for Gesa Credit Union Diamond Cash Back Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Gesa Credit Union Diamond Cash Back Card has a variable purchase APR that ranges from 10.24% up to 18.24%. The card has a variable balance transfer APR that ranges from 10.24% up to 18.24%. It also has a variable cash advance APR that ranges from 10.24% up to 18.24%. Note that late payments are subject to an APR of 25.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Gesa Credit Union Diamond Cash Back Card?

The following fees apply:

Gesa Credit Union Diamond Cash Back Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $28
Late Payment Fee	up to $30

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Gesa Credit Union Diamond Cash Back Card report your account activity to credit bureaus?

Yes, Gesa Credit Union Diamond Cash Back Card reports your account activity to the following credit reporting agencies:

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Gesa Credit Union Diamond Cash Back Card

• Visit the Gesa Credit Union Diamond Cash Back Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.