Save Where It Counts

ESL Visa® Credit Card

Zero reasons not to switch

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

APPLY ONLINE  See How You Could Save

The best savings aren't always found at the checkout — they're found in the choices you make with your money. The ESL Visa Credit Card helps you save where it matters with benefits that can help you reduce interest costs, transfer higher-interest rate credit card balances, and manage your account with confidence.

$0 Balance Transfer Fees1

Save when you transfer your higher-interest rate credit card balances

0% Intro APR for 12 months2

Followed by low ongoing rates from 12.00%-17.99% APR2

Simplify Your Finances
Move your higher-interest rate credit card balances to an ESL Visa Credit Card to reduce interest, simplify monthly payments, and create more flexibility in your budget.

Use our Credit Card Balance Transfer Calculator and see how much you could save with ESL.

Manage Your Account Anytime, Anywhere
Easily transfer balances, make a payment, track spending, and view statements through ESL Mobile and Online Banking.

Grow With Your ESL Owners’ Dividend
Every purchase and average outstanding monthly balances could potentially increase your ESL Owners’ Dividend.3

Member Support
Get support via ESL Live Chat Banking, phone, or local branches.

Every smart financial choice has the potential to add up. With the ESL Visa Credit Card, you'll have the tools, flexibility, and support to help you save where it matters today — and continue building value over time.

Apply now for the ESL Visa Credit Card

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Rates accurate as of

ESL Visa Credit Card Rates and Terms

1: Cash advance and foreign transaction fees may apply.

2: Rates subject to credit evaluation. Annual Percentage Rate (APR) is variable and may increase. 0.00% Introductory APR available to new accounts only and 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 10/1/26, the Prime Rate is [current prime rate].

3: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a dividend is not guaranteed. 

VISA is a registered trademark of Visa International Service Association and used under license. ESL is an equal opportunity lender.