Last Updated: 07/28/2025
Gesa Credit Union Share Secured Platinum Card
Unaffiliated
in Credit Cards from Gesa Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
6.99% - 18.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
6.99% - 18.99%(Verified 06/21/2024)
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Credit Score Range
500 - 850
Annual Fee
$0
Gesa Credit Union Share Secured Platinum Card Review
This is a secured credit card issued by Gesa Credit Union. If you're wondering whether Gesa Credit Union Share Secured Platinum Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 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 6 months.
- APRs: Gesa Credit Union Share Secured Platinum Card has a variable regular purchase APR that ranges from 6.99% up to 18.99%.
- 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Gesa Credit Union Share Secured Platinum Card
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Gesa Credit Union Share Secured Platinum Card FAQ
Does Gesa Credit Union Share Secured Platinum Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Gesa Credit Union Share Secured Platinum Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Gesa Credit Union Share Secured Platinum Card has a variable purchase APR that ranges from 6.99% up to 18.99%. The card has a variable balance transfer APR that ranges from 6.99% up to 18.99%. It also has a variable cash advance APR that ranges from 6.99% up to 18.99%.
Note that late payments are subject to an APR of 22.49% 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 Share Secured Platinum 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 6.99% - 18.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Gesa Credit Union Share Secured Platinum Card have an intro APR offer on new purchases?
| 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 6 months.
What are the fees for Gesa Credit Union Share Secured Platinum Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 2.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 Share Secured Platinum Card have a foreign transaction fee?
Gesa Credit Union Share Secured Platinum Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Gesa Credit Union Share Secured Platinum Card?
The customer service number for Gesa Credit Union Share Secured Platinum Card is (888) 946-4372.
What is the support contact email for Gesa Credit Union Share Secured Platinum Card?
The support contact email for Gesa Credit Union Share Secured Platinum Card is askus@gesa.com.
What is the login page for Gesa Credit Union Share Secured Platinum Card?
You can access the login page of Gesa Credit Union Share Secured Platinum Card here.
How do people rate the customer service and user experience of Gesa Credit Union Share Secured Platinum Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Gesa Credit Union Share Secured Platinum Card report your account activity to credit bureaus?
Yes, Gesa Credit Union Share Secured Platinum Card reports to the following credit bureaus:
- 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 build your credit.
Does Gesa Credit Union perform a hard credit pull?
Yes, Gesa Credit Union Share Secured Platinum Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Gesa Credit Union Share Secured Platinum Card
- Visit the website of Gesa Credit Union Share Secured Platinum Card.
- 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.
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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