Visa Classic and Visa Gold Credit Card ^top

At ESL, our Visa® Gold and Visa® Classic credit cards offer 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 Classic Credit Card

  • No annual fee.
  • Low introductory, balance transfer and ongoing rates.
  • 25 day grace period if no balance is carried over.
  • Free convenience checks.
  • Toll-free member service 24 hours a day, 7 days a week.
  • Automatic coverage for vehicle damage or theft up to the full value of most vehicles rented with your Visa ESL Card.
  • Accepted at millions places that accept Visa Credit Cards.
  • Check out Visa Rewards for special offers to our Visa Cardholders.
  • Get back some of the interest you pay with our unique Owners' Dividend*.

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Visa Gold Credit Card

Enjoy all the same benefits of our Visa Classic Card, plus:

  • Credit lines from $5,000 - $15,000.
  • Travel and emergency assistance including Emergency Message Service, Medical and Legal Referral Assistance, Lost Luggage Assistance, Emergency Ticket Replacement and more.
  • Emergency card replacement.
  • Warranty Manager includes warranty registration and extended warranty protection.

Apply online now for instant approval for your Visa Classic or 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 Classic or 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.

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