Gesa Credit UnionWise VISA Credit CardRegistry illustration · issuer artwork unavailable

Wise VISA Credit CardGesa Credit Union · state credit union, ID · NCUA 68278

CurrentLast observed Oct 14, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

25.99%

p.1fixed

Balance transfer

25.99%

p.1variable

Cash advance APR

25.99%

p.1variable

Annual fee

No annual fee.

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	25.99%GESA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Wise VISA: 14.24-25.99 %”GESA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	25.99% variableGESA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“, Your APR will be 14.24-25.99% This APR will vary with the market based on the Prime Rate.”GESA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	25.99% variableGESA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Wise VISA: 14.24-25.99 % This APR will vary with the market based on the Prime Rate.”GESA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late payment	26.99%GESA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“26.99% This APR may be applied if: 1) You make a late payment. How Long Will The Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR applied to transactions that occur after the increase may be applied indefinitely. For transactions that occurred prior to the effective date of the increase, the Penalty APR will apply indefinitely unless 6 consecutive payments are receiv…”GESA · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Paying interestgrace period on new purchases	—	no source read
Annual fee	No annual fee.GESA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No annual fee.”GESA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

GESA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“, Your APR will be 14.24-25.99% This APR will vary with the market based on the Prime Rate.”
No public source address
GESA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Wise VISA: 14.24-25.99 % This APR will vary with the market based on the Prime Rate.”
No public source address
GESA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“26.99% This APR may be applied if: 1) You make a late payment. How Long Will The Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR applied to transactions that occur after the increase may be applied indefinitely. For transactions that occurred prior to the effective date of the increase, the Penalty APR will apply indefinitely unless 6 consecutive payments are receiv…”
No public source address
GESA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Wise VISA: 14.24-25.99 %”
No public source address
GESA
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:f417956ab2be4969b5604a8da1cdca036c0395b6138d7213a175f127034fe821
“No annual fee.”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee
Aug 23, 2026: Balance transfer APR, Cash advance APR, Penalty APR, Purchase APR

Offered through: Gesa Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 68278
Branches: 45 in ID, WA
Sources: Official issuer · 0 documents · 0 pages cited

Documents

No republished document is bound to this product. See the sources above for the evidence behind these terms.

Wise VISA Credit CardGesa Credit Union · state credit union, ID · NCUA 68278

Rates and fees