Save & Consolidate with the ESL Visa® Credit Card

Easy to use, easy to save & easy to consolidate. What’s not to love?

Zero reasons not to switch

Apply online and know if you’re approved in minutes.

APPLY ONLINE  See How You Could Save

Make this the year you simplify your money management and keep more in your pocket. Whether you’re consolidating credit card balances or just looking for a card that makes life easier, the ESL Visa Credit Card is built to help you save more and stress less.

$0 Balance Transfer Fees1

Save when you transfer your higher-interest rate credit card balances

0% Intro APR for 12 months2

Followed by low ongoing rates from 11.75%-17.99% APR2

Simplify Your Finances
Consolidate your higher-interest rate credit card balances for one lower monthly payment. Use our Credit Card Balance Transfer Calculator and see how much you could save with ESL.

Manage Your Account Anytime, Anywhere
Easily transfer balances, make a payment, track spending, and view statements through ESL Mobile and Online Banking.

Grow With Your ESL Owners’ Dividend
Every purchase and average outstanding monthly balances could potentially increase your ESL Owners’ Dividend.3

Member Support
Get support via web, phone, or local branches.

You deserve simplicity and ease in your life. It’s time to take control of your finances with the ESL Visa Credit Card.

Apply now for the ESL Visa Credit Card

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Rates accurate as of

ESL Visa Credit Card Rates and Terms

1: Cash advance and foreign transaction fees may apply.

2: 0% Introductory APR available to new accounts only. 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 Prime Rate + 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].

3: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a dividend is not guaranteed. 

VISA is a registered trademark of Visa International Service Association and used under license. ESL is an equal opportunity lender.