Reward Your Every Day

With the ESL Rewards Visa Signature® Credit Card

Turn everyday spending into something extra.

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

APPLY ONLINE

Every Day Deserves a Rewards

From your morning coffee to your next getaway — your rewards add up fast.

3 Points

per $1 on dining

2 Points

per $1 on groceries, gas & travel

1 Point

per $1 on all other purchases

A Rewarding Way to Get Started

Earn 20,000 bonus rewards points when you spend $1,000 within the first 90 days.1

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
  • Easy account management with ESL Mobile and Online Banking

Keep Earning

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

Life’s Better with Points

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.