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ESL Rewards Visa Signature® Credit Card

Tap into something bigger: The card that rewards you more.

Earn points with every use!

Apply online in minutes for an immediate response.


Saving money is big. Earning rewards at the same time is even bigger. You can achieve both with the ESL Rewards Visa Signature Credit Card—especially by consolidating higher interest rate credit card balances.

Earn Rewards Points on your purchases and balance transfers (with no balance transfer fees1) for choices like cash back, gift cards, merchandise, airline tickets, and more. For example, the 10,000 Bonus Rewards Points earned when you spend or transfer $1,000 in the first 90 days from account opening2 can be redeemed for $100!

Points also add up quickly when you use your card for everyday purchases like groceries and gas, add it to your digital wallet when you shop online, or pay recurring expenses, including a gym membership and streaming services.

Add Up the Benefits:

  • 12-month 0% introductory rate, then an ongoing rate of 16.25%-17.99%1
  • No balance transfer fees1 and no annual fee1
  • Earn one Rewards Point for every $1 spent, including balance transfers
  • Earn 10,000 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


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 5/4/23, the Prime Rate was [current prime rate]. Foreign transaction fees may apply. 2: New accounts receive 10,000 Bonus Rewards Points by making $1,000 in qualified purchases or balance transfers 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.