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  Gesa Credit Union Diamond Cash Back Card

Gesa Credit Union Diamond Cash Back Card

in Personal Credit Cards from Gesa Credit Union

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Gesa Credit Union Diamond Cash Back Card

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in Personal Credit Cards from Gesa Credit Union

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Highlights
Purchase APR  (Variable APR) 10.24% - 18.24%
Balance Transfer APR  (Variable APR) 10.24% - 18.24%
Credit Score Range 680 - 850
Annual Fee $0

Gesa Credit Union Diamond Cash Back Card Review

This is a cashback 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.

Key Takeaways
  • 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 cashback card. It gives you cashback on your purchases, 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 rental insurance, extended warranty protection on purchases, identity theft protection, purchase protection, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Gesa Credit Union Diamond Cash Back Card
The Good The Bad
  • 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.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel assistance insurance
  • Gesa Credit Union Diamond Cash Back Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
Gesa Credit Union Diamond Cash Back Card FAQ

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

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

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

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Assistance
  • 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. It has lower than average regular APRs.

It 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.

Does Gesa Credit Union Diamond Cash Back Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Gesa Credit Union Diamond Cash Back Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 10.24% - 18.24%
Balance Transfer Fee % 0%

Does Gesa Credit Union Diamond Cash Back Card have an intro APR offer on new purchases?

Gesa Credit Union Diamond Cash Back Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

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 cashback card.

What is the customer service phone number for Gesa Credit Union Diamond Cash Back Card?

The Gesa Credit Union Diamond Cash Back Card customer service number is (888) 946-4372.

What is the support contact email for Gesa Credit Union Diamond Cash Back Card?

The support contact email for Gesa Credit Union Diamond Cash Back Card is askus@gesa.com.

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:

  • Equifax
  • Experian
  • Transunion

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

About Gesa Credit Union Diamond Cash Back Card

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View all personal credit cards offered by Gesa Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn unlimited 1.50% cash back.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 2.5%
Minimum Cash Advance Fee ($) Starting at $5
Returned Payment Fee Up to $28
Late Fee Amount Up to $30
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
  • Travel Assistance
Rewards Rates
  • Every Purchase
Signup Bonus $200
Cash Advance APR (Variable APR) 10.24% - 18.24%
Balance Computation Average daily balance (including new purchases).
Penalty APR (Variable APR) 25.24%
Purchase APR (Variable APR) 10.24% - 18.24%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 10.24% - 18.24%
Balance Transfer Fee % 0%
Card Type
  • Cashback
Card Network Visa

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