Visa® Business Credit Card

• Low introductory rate for the first six months.
• Get additional employee cards with preset limits.
• Manage your credit card online with a variety of card management features to support all roles within a business, through its easy-to-use, integrated capabilities.
• Accepted at more than 18 million locations worldwide.
• Outstanding protection for lost and stolen cards with the Visa Zero Liability Policy.¹
• Earn points on qualifying purchases and redeem them for cash back, merchandise, airfare, travel, and other rewards with ESL uChoose Rewards® (annual fee).
• Every purchase transaction you make with your ESL Visa Business Credit Card and your average monthly outstanding balances qualify for our unique Owners’ Dividend.²

• Once you open your account, you can make purchases and withdrawals up to your available credit line limit.
• The daily maximum for ATM withdrawals is $600.
• All borrowers must be 18 years of age.
• Easily activate your card online or by calling 866.820.6039
• To report a lost or stolen card, call 866.820.6039
• For fraud and transaction disputes, call 866.820.6039

Payment Information

• Your payment is due on the same date each month.
• If you pay the entire balance by the due date each month, there will be no finance charges on purchases.
• If you have a balance, your minimum payment will be 2.7% of the outstanding balance with a $25 minimum payment.
• There are no prepayment penalties on your ESL Visa Business Credit Card.

Payment Options

For your convenience, we offer the following payment options:

• Automatic transfers (AutoSweep) from your ESL business savings or checking account
• Automatic payments from your checking account at ESL or any financial institution
• Use ‘Make a Payment’ online to make one-time payments or set up automatic payments.
  • Transactions > Credit Card
  • Payments will post to your credit card account the same day if it’s made by 6 p.m. ET.
• Use ‘Transfers’ in ESL Business Mobile/Online Banking to transfer money from your ESL Business Checking or Savings account to your credit card.
  • When you use ‘Transfer’ to make your payment, the amount is deducted from your ESL Business Checking or Savings account immediately but may take 1-2 days to post to your credit card account.
• At any ESL branch.
• By connecting with an ESL Representative so we can help with this transaction.

It’s easy to apply for an ESL Visa Business Credit Card:

• Connect with us so we can help.
• Be prepared with the documentation needed to apply for a business credit card. Learn more.

We’ll help you complete your application—quickly and easily.