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Visa® Credit Card

Transfer balances from your holiday spending to the card that saves you money.

With the ESL Visa® Credit Card, there are no balance transfer fees,1 and you’ll save more with a special intro rate of 0% for the first 12 months1 so you can pay down debt from higher-interest rate credit cards.

Transfer balances and save with no balance transfer fees.1

Apply online in minutes for an immediate response.


No annual fee.1

0% Intro APR1 for 12-months on purchases and balance transfers, then a low ongoing rate of 10.50% to 17.99% APR.1

No balance transfer fees.1

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ESL Visa Credit Card Rates and Terms

Rates accurate as of

1: Rates subject to credit evaluation. Annual Percentage Rate (APR) is variable and may increase. Introductory rate of 0.00% is fixed for 12 billing cycles from account open date. After that, Prime Rate + 5.00% up to 14.24%, to determine the purchase and balance transfer rates. Maximum APR is 17.99%. As of [current prime rate date], the Prime Rate was [current prime rate]. Foreign transaction fees may apply. ESL is an equal opportunity lender. VISA is a registered trademark of Visa International Service Association and used under license.