Turn Everyday Spending Into Rewards

Earn Points on every purchase

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

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

APPLY ONLINE

Get more from every purchase and earn up to 3x points when you use your ESL Rewards Visa Signature® Credit Card.

3 Points

per $1 on dining

2 Points

per $1 on groceries, gas & travel

1 Point

per $1 on all other purchases

+ 20,000 Bonus Points

New cardholders can earn 20,000 points after spending $1,000 in the first 90 days1 — that’s a $200 statement credit!

A Card Designed for You

  • Save Money
    Take advantage of a 0% Intro APR for 12 months on purchases and balance transfers, followed by ongoing rates of 15.50%-17.99%.2
  • No Extra Costs
    With $0 balance transfer fees and no annual fees.3 Consolidate higher-interest balances without the extra cost.
  • Simple Account Management
    Transfer balances, redeem rewards, track spending, and more, all through ESL Mobile and Online Banking.
  • ESL Owners’ Dividend
    Every purchase and your average outstanding monthly balances could potentially increase your ESL Owners’ Dividend.4
  • Here to Help
    Get the support you need online, over the phone, or at any of our [current branch count] convenient branch locations.

More to Love

Redeem your points anytime you like, and the best part is they never expire! You can choose from a variety of options::

  • Cash Back: Apply points to your statement balance.
  • Travel: Special offers on flights, cruises, hotels, and car rentals.
  • Merchandise & Gift Cards: Browse millions of products and over 650 gift card brands.
  • Pay With Points: Use points to make PayPal purchases.

Don’t Miss Out

Start earning rewards today with your ESL Rewards Visa Signature Credit Card!

Apply now for the ESL Rewards Visa Signature Credit Card

ESL Rewards Visa Signature Credit Card Rates and Terms

Rates accurate as of

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

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: 0% Introductory APR available to new accounts only. 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 [current prime rate date], the Prime Rate was [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.