ESL uChoose Rewards®

ESL uChoose Rewards gives you more flexibility and choice than ever when it comes to earning and redeeming your rewards points.

The ESL Rewards Visa Signature card gives you great rewards in a simple, straightforward fashion.

Apply online in minutes for an immediate response.

APPLY ONLINE OTHER OPTIONS

Earn Points
Turn your everyday spend and special occasions into rewards points when you use your ESL Rewards Visa Signature® Credit Card for all your purchases:

Earn 3 points for every $1 on dining

Earn 2 points for every $1 on gas, groceries, and travel

Earn 1 point for every $1 on everything else

For new accounts — spend $1,000 in your first 90 days and receive 20,000 bonus points. That’s $200 cash back!

Your rewards points never expire! You can redeem them as quickly as you earn them or build them up to redeem for something bigger.

Give your points a boost

Earn rewards points even faster — up to 10 points per $1 — with special offers from featured merchants. It’s easy! Simply activate offers from local restaurants, auto repair shops, clothing stores, and more.

To activate offers:

From mobile banking: More > Credit Card & Rewards

From online banking: I’d like to… > Manage Credit Card & uChoose Rewards

Redeem Points

There are many great options for redeeming your rewards points — from merchandise to travel experiences and activities to gift cards and much more. Because your rewards points don’t expire, you can redeem them as quickly as you earn them or build them up to redeem for something bigger.


Category	Redemption Options
Cash Back	Credit on credit card statement
Travel	15 cruise lines 12,000 attractions 365 airlines 275,000 hotels 8 car rental companies
Merchandise	3+ million products (many with a Best Buy store pick-up option)
Gift Cards	650+ branded gift cards
Pay with Points	Use all or part of your points when you checkout using PayPal

Please note, you can only redeem rewards points online through ESL uChoose Rewards.

To redeem rewards points:

From mobile banking: More > Credit Card & Rewards
From online banking: I’d like to… > Manage Credit Card & uChoose Rewards

Track Points
You can keep an eye on how many rewards points you earned in these three places:

Online

From mobile banking: More > Credit Card & Rewards

From online banking: I’d like to… > Manage Credit Card & uChoose Rewards

Your monthly statement

Calling 888.820.6039

Rewards points are updated monthly based on your statement cycle date.
Fees

What’s better than earning all these great rewards? Earning them with no annual fee¹.

Learn More | Disclosure
Rewards Visa Signature Credit Card Fees
Fee Type
Description
Fee
Fee TypeAnnual Fee
DescriptionAnnual fee to have a Rewards Visa Signature Credit Card
FeeNone
Fee TypeBalance Transfer Fee
DescriptionA fee to transfer your balance from another credit card to your Rewards Visa Signature Credit Card
FeeNone
Fee TypeCash Advance Fee
DescriptionA fee to withdraw cash from your Rewards Visa Signature Credit Card
FeeNone
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

[timestamp]

1: Rates subject to credit evaluation. Annual Percentage Rate (APR) is variable and may increase. 0.00% is fixed for 12 billing cycles from account open date. After that, Prime Rate + 8.00% up to 14.24% to determine the purchase and balance transfer rates. Maximum APR is 17.99%. As of 7/10/18, the Prime Rate was [current prime rate].

ESL Live Chat Banking

Did You Know...

Third Party Site

Personal Banking

ESL uChoose Rewards®

The ESL Rewards Visa Signature card gives you great rewards in a simple, straightforward fashion.

Give your points a boost

Rewards Visa Signature Credit Card Fees