Keep Spending Simple

With the ESL Visa® Credit Card

Zero reasons not to switch

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

APPLY ONLINE  See How You Could Save

When life gets busy, your credit card shouldn’t add to the stress. The ESL Visa Credit Card is designed to keep things simple — offering a low rate and features that benefit your everyday spending and those extra year-end expenses.

$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 12.00%-17.99% APR2

Simplify Your Finances
Consolidate your higher-interest rate credit card balances for one lower monthly payment.

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

Enjoy $0 Annual Fees1
Keep your card year-round with no annual cost.

Member Support
We’re here to help you whenever you need it — online, over the phone, or at any of our [current branch count] convenient branch locations.

Keep spending simple with a low-rate card built for you. Apply for the ESL Visa Credit Card today.

Apply now for the ESL Visa Credit Card

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ESL Visa Credit Card Rates and Terms

Rates accurate as of

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.