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ESL Rewards Visa Signature® Credit Card

Transform everyday purchases into unforgettable memories.

Earn points with every use! Now that’s Rewarding.

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

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As we embrace the winter season and welcome the promise of the New Year, it’s the perfect time to unlock big savings and embrace the spirit of rewarding experiences with the ESL Rewards Visa Signature Credit Card. Our enhanced rewards program lets you earn more with your everyday purchases, with additional reward point opportunities on dining, groceries, gas, and travel.

3 points per $1 spent on dining
2 points per $1 spent on groceries, gas, and travel
1 point per $1 spent on all other purchases

You’ll also accumulate points rapidly through everyday spending, whether it’s on groceries and fuel or online shopping when you add your card to your digital wallet. Even recurring expenses like gym memberships and streaming services can contribute to your rewards.

Your Rewards, Your Way. Redeem your rewards points for a variety of options, such as cash back, gift cards, merchandise, airline tickets, and more. For instance, the 20,000 Bonus Rewards Points you earn by spending $1,000 in the first 90 days from account opening2 can be worth $200! The best part? Your points never expire, offering you the freedom to redeem them as you earn or save for something extraordinary.

Add Up the Benefits:

  • 12-month 0% introductory rate, then an ongoing rate of 16.50%-17.99%1
  • No balance transfer fees1 and no annual fee1
  • Earn 20,000 Bonus Rewards Points when you spend $1,000 in the first 90 days from account opening2
  • Grow your Owners’ Dividend — every purchase you make with your card and your average monthly outstanding balances help increase your Owners’ Dividend3
  • Fast, secure transactions in-store and online with tap-to-pay, digital wallets, and card-on-file options
  • Earn bonus rewards when shopping your favorite local and national retailers by activating offers within ESL uChoose Rewards®
  • Easily track and redeem rewards within ESL Mobile or Online Banking for cash back, gift cards, and travel. Or, connect your card to PayPal and utilize Pay with Points during checkout.

ESL Rewards Visa Signature Credit Card Rates and Terms

Rates accurate as of

1: Rates subject to credit evaluation. Annual Percentage Rate (APR) is variable and may increase. Introductory rate of 0.00% is fixed for 12 billing cycles from account open date. After that, Prime Rate + 8.00% up to Prime Rate + 14.24%, to determine the purchase and balance transfer rates. Maximum APR is 17.99%. As of 12/22/23, the Prime Rate was [current prime rate]. Foreign transaction fees may apply. 2: New accounts receive 20,000 Bonus Rewards Points by making $1,000 in qualified purchases within the first 90 days from account open date. 3: Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a dividend is not guaranteed. ESL is an equal opportunity lender. VISA is a registered trademark of Visa International Service Association and used under license.