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ESL Visa® Credit Card

It’s more than a better rate, it’s brighter cheer.

Get the card that saves you $

Apply online in minutes for an immediate response.


With the ESL Visa Credit Card, you save money with a 12-month 0% introductory rate1 on both purchases and balance transfers, plus no annual fee,1 and no balance transfer fees.1 It’s a smart choice to consolidate higher-interest credit card balances.

More great features:

  • A lower ongoing rate of 8.25%-17.49%1
  • Grow your Owners’ Dividend2 with every purchase transaction
  • Easy account management with mobile and online banking
  • Contactless technology enables secure digital wallet checkout


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 9/15/21, 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.