The Gesa Credit Union Credit Cards is a personal credit card from Gesa Credit Union Credit Cards. The annual fee is $0 — no annual fee. The ongoing APR is 10–19%+ after a 0% introductory rate for 6 months. Signup bonus: $100 cash rewards bonus. Rewards: 1.5% cash back. Cash back: 1.5%. This product reports activity to your personal credit report. Pre-qualification available (soft pull). BT Fee: Terms in the Wise card disclosure apply.