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ESL Visa® Credit Card

Celebrate the holidays with zero interest.

With the holidays approaching, it’s good to know you can count on the ESL Visa Credit Card to save you money with a great introductory rate on BOTH purchases and balance transfers and no annual fee.1

Get the card that saves you money.

Apply online in minutes for an immediate response.


No annual fee.1

0% Intro APR for 12-months on purchases and balance transfers, then a low ongoing rate of 8.25% to 17.49% APR.1

No balance transfer fees.1

Number of purchase transactions you make throughout the year helps you qualify for a bigger dividend.2

Add your ESL credit card to your digital wallet for added security and peace of mind with contactless checkout.


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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 18.00%. As of [current prime rate date], 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. ESL is an equal opportunity lender. VISA is a registered trademark of Visa International Service Association and used under license.