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Visa® Credit Card

Worldwide convenience. A great, low introductory rate, followed up with a terrific ongoing rate. No annual fee. And no balance transfer fees, either. And don’t forget: Your balances qualify for our exclusive Owners’ Dividend.

I like that my card has a low rate and no transfer fees.

Apply for an ESL Visa Credit Card today.
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  • Features & Benefits

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

    • Save money with our low, introductory six-month rate.
    • Save even more with our low ongoing variable rates.
    • 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 Visa® 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 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.

    1Visa Zero Liability Policy does not apply to ATM transactions or to PIN transactions not processed by Visa.
    2Qualification 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 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 585.336.1000 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 2.7% of the outstanding balance with a $25 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 account at ESL or any financial institution
    • In online banking: When you view your credit card information, look for the “Make Payments” 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.

    Qualification for the Owners' Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.

     
  • Rates

    Visa Gold Credit Card

    Annual Percentage Rate (APR) Description
    6-Month Introductory APR
    Ongoing APR
    (Lifetime Index + Margin)
    Annual Percentage Rate (APR) DescriptionAPR for Purchases
    6-Month Introductory APR3.99%
    Ongoing APR (Lifetime Index + Margin)10.98% to 17.99% based on your creditworthiness
    Annual Percentage Rate (APR) DescriptionAPR for Balance Transfers
    6-Month Introductory APR3.99%
    Ongoing APR (Lifetime Index + Margin)10.98% to 17.99% based on your creditworthiness
    Annual Percentage (APR) DescriptionAPR for Cash Advances
    6-Month Introductory APR3.99%
    Ongoing APR (Lifetime Index + Margin)10.98% to 17.99% based on your creditworthiness
    Annual Percentage Rate (APR) DescriptionPenalty APR, when it applies
    6-Month Introductory 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 six months from account open date. At the end of the six months, the contract rate becomes variable and may increase, based on Prime Rate + 6.73% up to 14.74%, to determine the purchase, balance transfer, and cash advance rates. As of 6/15/17, the Prime Rate was 4.25%. Please see our disclosure for complete details on the terms and conditions of your ESL Visa Credit Card Account.

    ESL Visa Credit Card Agreement

    Qualification for the Owners' Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.

     
  • Fees

    Visa Gold Credit Card Fees

    Fee Type
    Description
    Fee
    Fee TypeAnnual Fee
    DescriptionAnnual fee to have a Visa Gold Credit Card
    FeeNone
    Fee TypeInternational Service Assessment
    DescriptionA transaction fee to use your Visa Gold 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 $25.00
    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 $25.00

    Fees may change. 

     

    Qualification for the Owners' Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.

     
  • 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:

    Qualification for the Owners' Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.