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ESL Visa® Credit Card

It’s more than transferring balances fee-free, it’s balancing life better.

Get the card that saves you $

Apply online in minutes for an immediate response.


Access more simplicity and savings with the ESL Visa Credit Card, featuring 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—which is fast and easy using ESL Mobile or Online Banking.

More Benefits for Better Balance:

  • Simple balance transfers
  • A lower ongoing rate of 10.50%-17.99%1
  • Grow your Owners’ Dividend2 with every purchase transaction
  • Easy account management with mobile and online banking
  • Tap-to-pay makes purchases quick and safer
  • Shopping convenience and protection


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 7/28/22, 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.