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Credit Card Rates

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ESL Visa 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%
Ongoing APR (Lifetime Index + Margin)13.50% to 17.99% based on your creditworthiness
Annual Percentage Rate (APR) DescriptionAPR for Balance Transfers
12-Month Introductory APR0.00%
Ongoing APR (Lifetime Index + Margin)13.50% 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)18.00%

Rates accurate as of

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.

ESL Credit Card Agreement

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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%
Ongoing APR (Lifetime Index + Margin)16.50% to 17.99% based on your creditworthiness
Annual Percentage Rate (APR) DescriptionAPR for Balance Transfers
12-Month Introductory APR0.00%
Ongoing APR (Lifetime Index + Margin)16.50% 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)18.00%

Rates accurate as of

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 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 Rewards Visa Signature Credit Card Account.

ESL Credit Card Agreement

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Visa Secured Credit Card

Annual Percentage Rate (APR) Description
Ongoing APR
(Lifetime Index + Margin)
Annual Percentage Rate (APR) Description APR for Purchases
Ongoing APR (Lifetime Index + Margin)17.99%
Annual Percentage Rate (APR) Description APR for Balance Transfers
Ongoing APR (Lifetime Index + Margin)17.99%
Annual Percentage Rate (APR) Description APR for Cash Advances
Ongoing APR (Lifetime Index + Margin)17.99%
Annual Percentage Rate (APR) Description Penalty APR, when it applies
Ongoing APR (Lifetime Index + Margin) 18.00%

Rates accurate as of

The APR is variable and may be increased. The maximum line amount is $1,000. We add 11.00% to the Prime Rate to determine the Purchase, Balance Transfer, and Cash Advance 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 Visa Secured Credit Card Account.

Secured Credit Card Agreement