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ESL Visa® Credit Card

Switch, Simplify, Save.

Zero reasons not to switch

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2024 is the year to make progress toward your financial goals, enhance your credit score and ease your cash flow worries — all with the ESL Visa® Credit Card. 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%). 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 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

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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 Prime Rate + 14.24%, to determine the purchase and balance transfer rates. Maximum APR is 17.99%. As of 12/22/23, 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.