Spend with purpose. Earn with ease.

Your points will add up with the ESL Rewards Visa Signature® Credit Card.

Every dollar you spend brings you closer to rewards you’ll love. Earn points on dining, gas, groceries, and travel — plus a 20,000-point bonus 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

Everyday Wins Make Spending More Rewarding

Your daily purchases can take you further. Earn points that lead to gift cards, travel, and more.

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.

More Rewards. More Possibilities.

Your points never expire, so you can enjoy lasting rewards.

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
  • Then low ongoing rates from 14.75% - 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

Enjoy Rewards Without Limits

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: 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.