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ESL Visa® Credit Card

Zero reasons for financial worry with the ESL Visa Credit Card.

Zero reasons not to switch

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


We understand the significance of savings, but we also know that achieving greater peace of mind is even more critical. With the ESL Visa Credit Card, you can accomplish both. Being the home of the ‘triple zero,’ the ESL Visa Credit Card offers 0% APR for 12 months,1 $0 balance transfer fees,1 and $0 annual fees.1 The low ongoing rate (13.50%-17.99%) is a budget-friendly feature that can help reduce cash flow stress, build stronger credit scores, and build savings towards future goals. There are zero reasons not to switch!

Features to Simplify Your Finances:

  • 'Triple Zero’ for maximum savings
    • 0% APR for 12 months1
    • $0 balance transfer fees1
    • $0 annual fees1
  • Low ongoing rate (13.50%-17.99%1)
  • Grow your Owners’ Dividend — every purchase transaction you make with your card and your average monthly outstanding balances help increase your Owners’ Dividend2
  • Easy account management with ESL Mobile and Online Banking
  • Fast, secure transactions in-store and online with tap-to-pay, digital wallets, and card-on-file options
  • No cash advance fee1
  • Visa cardholder benefits
  • Visa Zero Liability Policy3


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 Prime Rate + 14.24%, to determine the purchase and balance transfer rates. Maximum APR is 17.99%. As of 11/1/23, the Prime Rate was [current prime rate]. Foreign transaction fees may apply. 2: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a dividend is not guaranteed. 3: Visa Zero Liability Policy does not apply to ATM transactions or to PIN transactions not processed by Visa. ESL is an equal opportunity lender. VISA is a registered trademark of Visa International Service Association and used under license.