Visa® Credit Card

Low rates and no balance transfer fees set the ESL Visa Credit Card apart from the rest.

• Save money with our 0% Intro APR¹ for 12 months.
• Save even more with our low ongoing rate of 13.25%-17.99% APR.¹
• No annual fees.¹
• No fees for balance transfers.¹
• Transaction alerts keep you posted on your account activity when you enroll through online banking.
• You can use your ESL Visa Credit Card with your Digital Wallet preference at hundreds and thousands of stores and participating apps.
• Get the powerful protection of the Visa Zero Liability Policy.²
• Plus, your average monthly outstanding balances are eligible for our Owners’ Dividend.³

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

• Additional and replacement cards.
• Emergency message service.
• Medical and legal referral assistance.
• Lost luggage assistance.
• Emergency ticket replacement and other travel and emergency assistance.
• 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 visa credit card.
• Visa Account Updater (VAU) — Visa will automatically update your card information with participating merchants.

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 + 5.00% up to Prime Rate + 14.24% to determine the Purchase and Balance Transfer Rates. Maximum APR is 17.99%. As of [current prime rate date], the Prime Rate was [current prime rate]. Foreign transaction fees may apply. VISA is a registered trademark of Visa International Service Association and used under license. Please see our disclosure for complete details on the terms and conditions of your ESL Visa Credit Card Account.
2: Visa Zero Liability Policy does not apply to ATM transactions or to PIN transactions not processed by Visa.
3: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.

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

• Credit lines are available from $500 to $25,000
• To activate your card, please call 800.527.7728
• To report a lost or stolen ESL Visa Credit Card, call 800.449.7728
• Call 585.336.1140 or 888.353.9920 during normal business hours to speak to a member of the ESL Fraud team. To contact us after hours, please call 800.754.4128.
• 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 
• By mail

You can also connect with an ESL Representative who will be happy to assist you in making a payment transaction.

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 + 5.00% up to Prime Rate + 14.24% to determine the Purchase and Balance Transfer Rates. Maximum APR is 17.99%. As of [current prime rate date], the Prime Rate was [current prime rate]. Foreign transaction fees may apply. VISA is a registered trademark of Visa International Service Association and used under license. Please see our disclosure for complete details on the terms and conditions of your ESL Visa Credit Card Account.
2: Visa Zero Liability Policy does not apply to ATM transactions or to PIN transactions not processed by Visa.
3: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.

ESL Credit Card Agreement

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 + 5.00% up to 14.24% to determine the Purchase and Balance Transfer Rates. Maximum APR is 18.00%. As of [current prime rate date], the Prime Rate was [current prime rate]. Foreign transaction fees may apply. VISA is a registered trademark of Visa International Service Association and used under license. Please see our disclosure for complete details on the terms and conditions of your ESL Visa Credit Card Account.

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:

• Fill out your application online
• Visit any ESL branch
• Call 585.336.1000

Credit Line Increases

To apply for a credit line increase, click here.

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 + 5.00% up to Prime Rate + 14.24% to determine the Purchase and Balance Transfer Rates. Maximum APR is 17.99%. As of [current prime rate date], the Prime Rate was [current prime rate]. Foreign transaction fees may apply. VISA is a registered trademark of Visa International Service Association and used under license. Please see our disclosure for complete details on the terms and conditions of your ESL Visa Credit Card Account.
2: Visa Zero Liability Policy does not apply to ATM transactions or to PIN transactions not processed by Visa.
3: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.