Do More With Every Dollar

with the ESL Rewards Visa Signature® Credit Card

Every dollar you spend has the potential to go further. With the ESL Rewards Visa Signature Credit Card, you’ll earn more where it matters most, so your everyday purchases deliver more value back.

Plus, earn 20,000 bonus points when you spend $1,000 in the first 90 days of account opening.1

Turn everyday spending into something extra.

Apply online and know if you’re approved in minutes.

APPLY ONLINE

Make Everyday Spending Work Harder

The purchases you already make can help you earn more every day. Spend and earn points that add up to meaningful rewards.

3 Points

per $1 on dining

2 Points

per $1 on groceries, gas & travel

1 Point

per $1 on all other purchases

Every Purchase Adds Up to Lasting Rewards

The ESL Rewards Visa Signature Credit Card earns points on the everyday and the extraordinary — and points never expire.

Cash Back:
Apply points to your statement balance.

Travel:
Special offers on flights, cruises, hotels, and car rentals.

Gift Cards:
Over 650+ gift card brands.

Pay With Points:
Use your points to make PayPal purchases.

More to Love

  • 0% Intro APR for 12 months2 followed by an ongoing rate of 17.99% APR2
  • No annual fee & $0 balance transfer fee3
  • Easy account management with ESL Mobile and Online Banking

More Potential to Earn

Every purchase and your average outstanding monthly balances could potentially increase your ESL Owners’ Dividend.4

More Value Is Within Reach

Applying online is fast and easy. Start getting rewarded today.

Apply now for the ESL Rewards Visa Signature Credit Card

Looking for a credit card with a low rate? Read more about our ESL Visa® Credit Card.

Rates accurate as of

ESL Rewards Visa Signature Credit Card Rates and Terms

1: New accounts receive 20,000 Bonus Rewards Points by making $1,000 in qualified purchases (less returns) within the first 90 days from account open date. Cash advances and balance transfers are not eligible.

2: Annual Percentage Rate (APR) is variable and may increase. 0.00% Introductory APR available to new accounts only and is fixed for 12 billing cycles from account open date. After that, Prime Rate + 14.24%, to determine the purchase and balance transfer rates. Maximum APR is 17.99%. As of 7/1/26, the Prime Rate is [current prime rate].

3: Cash advance and foreign transaction fees may apply. 

4: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a dividend is not guaranteed.

VISA is a registered trademark of Visa International Service Association and used under license. ESL is an equal opportunity lender.