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Rewards Visa Signature® Credit Card

The benefits start with a 0% introductory rate for the first 12 months, followed by a competitive ongoing rate. There’s no annual fee. No balance transfer or cash advance fees either. Points earned on purchases can be redeemed for merchandise, gift cards, travel, cash, and much more! And that makes shopping better than ever.

It’s so easy earning rewards with my everyday purchases.

Apply for your ESL Rewards Visa Signature Card today.

  • Features & Benefits

    A robust rewards program and no balance transfer fees set the ESL Rewards Visa Signature Credit Card apart from the rest.

    • Save money with our 0% introductory rate for 12-months.
    • Earn 1 point for every dollar spent with CURewards® — our credit card rewards program. New accounts are eligible to receive 10,000 bonus points when you spend $1,000 in the first 90 days.
    • No annual fees.
    • No fees for balance transfers.
    • Transaction alerts keep you posted on your account activity when you enroll through online banking.
    • You can use your ESL Rewards Visa Signature Credit Card with Apple Pay at hundreds and thousands of stores and participating apps.
    • Get the powerful protection of the Visa Zero Liability Policy.1
    • Plus, your average monthly outstanding balances are eligible for our Owners’ Dividend.2

    There’s More to the Story ... all this comes free with your ESL Rewards Visa Signature Credit Card:

    • Experience more rewards with the ESL Rewards Visa Signature Credit Card with travel benefits, access to popular sporting events and offers from premium retailers. Visit for more information.
    • Additional and replacement cards.
    • Emergency message service.
    • Medical and legal referral assistance.
    • Lost luggage assistance.
    • Emergency ticket replacement and other travel and emergency assistance — include Roadside Dispatch.®
    • Warranty manager with easy-to-use warranty registrations.
    • Extended warranty protection.
    • Auto rental insurance automatically covering vehicle damage or theft up to the full value of most vehicles when you rent a car with your ESL credit card.
    • Visa Account Updater (VAU) — Visa will automatically update your card information with participating merchants

    1: Visa Zero Liability Policy does not apply to ATM transactions or to PIN transactions not processed by Visa.
    2: Qualification for the Owners' Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.

  • Specifics

    Here are more important details about the ESL Rewards Visa Signature Credit Card:

    • Credit lines are available from $5,000 to $25,000
    • To activate your card, please call 800.527.7728
    • To report a lost or stolen ESL Rewards Visa Signature Credit Card, call 800.449.7728
    • Call 585.336.1000 or 800.449.7728 or use chat banking to report fraudulent transactions on your card
    • Maximum daily ATM withdrawal: $600
    • No prepayment penalties

    Additional Payment Information

    If you have a balance on your ESL Visa Credit Card, your minimum payment will be 2.0% of the outstanding balance with a $30 minimum payment.

    To help you simplify budgeting and financial management, your monthly payment is due on the same date each month. You can choose from a variety of convenient payment options:

    • Automatic debits from your checking or savings account at ESL or any financial institution
    • In mobile banking: Use ‘Transfers’ to transfer money from your ESL Checking or Savings account to your credit card
    • In online banking: When you view your credit card information, look for the “Pay” button

    You can also make payments in any ESL branch, by mail, by calling 585.336.1000 or 800.848.2265, or by using chat banking.

  • Rates

    ESL Rewards Visa Signature Credit Card

    Annual Percentage Rate (APR) Description
    12-Month Introductory APR
    Ongoing APR
    (Lifetime Index + Margin)
    Annual Percentage Rate (APR) DescriptionAPR for Purchases
    12-Month Introductory APR Ongoing APR0.00%
    13.00% to 17.99% based on your creditworthiness
    Annual Percentage Rate (APR) DescriptionAPR for Balance Transfers
    6-Month Introductory APR0.00%
    13.00% to 17.99% based on your creditworthiness
    Annual Percentage (APR) DescriptionAPR for Cash Advances
    12-Month Introductory APR Ongoing APRN/A
    Ongoing APR (Lifetime Index + Margin)17.90%
    Annual Percentage Rate (APR) DescriptionPenalty APR, when it applies
    12-Month Introductory APR Ongoing APR18.0%
    Ongoing APR (Lifetime Index + Margin)18.0%

    Rates accurate as of

    Rates subject to credit evaluation. Actual rates may vary. The APR is variable and may be increased. The maximum amount is $25,000. Introductory rate on Visa credit cards is fixed for 12 months from account open date. At the end of the 12 months, the contract rate becomes variable and may increase, based on Prime Rate + 8.00% up to 14.24%, to determine the purchase and balance transfer rates. As of [current prime rate date], the Prime Rate was [current prime rate]. Please see our disclosure for complete details on the terms and conditions of your ESL  Rewards Visa Signature Credit Card Account.

    ESL Credit Card Agreement

  • Fees

    Rewards Visa Signature Credit Card Fees

    Fee Type
    Fee TypeAnnual Fee
    DescriptionAnnual fee to have a Rewards Visa Signature Credit Card
    Fee TypeBalance Transfer Fee
    DescriptionA fee to transfer your balance from another credit card to your Rewards Visa Signature Credit Card
    Fee TypeCash Advance Fee
    DescriptionA fee to withdraw cash from your Rewards Visa Signature Credit Card
    Fee TypeInternational Service Assessment
    DescriptionA transaction fee to use your Rewards Visa Signature Credit Card outside of the United States
    Fee1% of transaction amount
    Fee TypeLate Fee
    DescriptionA fee if your payment is overdue for more than three days from your due date
    FeeUp to $25
    Fee TypeReturned Payment
    DescriptionA fee charged if your credit card payment to ESL is not able to be paid due to insufficient funds
    FeeUp to $25


  • How to Apply

    Application Requirements

    • Make sure you’re an ESL Member. Find out how to become a member today.
    • At least one applicant must be 18 years or older.
    • There’s no minimum age for authorized users as long as they can sign their own name.
    • Get the necessary credit approval. When you apply for your ESL Visa Credit Card, we will get a credit report to see if you meet our underwriting guidelines.
    • Please remember that proof of income may be required.

    Follow These Simple Steps to Apply

    Just complete and sign your application. Here’s how: