Visa Gold Credit Card ^top

At ESL, our Visa® Gold Credit Card offers great rates and can be used at millions of places that accept Visa Credit Cards. Check us out:

Transfer your high-rate credit card balances to a low-rate ESL Visa credit card.

Visa Gold Credit Card

  • Credit lines from $500 - $15,000.
  • No annual fee.
  • Low introductory, balance transfer and ongoing rates.
  • Get back some of the interest you pay with our unique Owners' Dividend*.
  • CardLock® - an extra level of security.
  • Transaction Alerts — receive account activity via email and/or phone. Log into ESL Internet Banking to enroll.
  • FREE additional cards.
  • FREE emergency card replacement.
  • FREE travel and emergency assistance including Emergency Message Service, Medical and Legal Referral Assistance, Lost Luggage Assistance, Emergency Ticket Replacement and more.
  • FREE Warranty Manager includes warranty registration and extended warranty protection.
  • FREE auto rental insurance which automatically covers vehicle damage or theft up to the full value of most vehicles rented using your ESL Visa Credit Card.
  • Toll-free member service 24/7.
  • Accepted at millions of places that accept Visa Credit Cards.
  • Check out Visa Rewards for special offers to our Visa Cardholders.

Apply online now for your Visa Gold Credit Card. Or stop by any ESL branch office. To apply by phone, call 585.336.1000 or 800.848.2265.

When you use your ESL Visa Gold Credit Card, you are protected from unauthorized use of your card or account information. To find out more, see the Visa Zero liability policy.

To report a lost or stolen ESL Federal Credit Union Visa Card, call 800.449.7728.

[Disclosures]

*Qualification for the Owners' Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.