Earn Points With Every Purchase

Put Real Value in Your Pocket

One Card. More Value. Now that’s Rewarding.

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

APPLY ONLINE

With the ESL Rewards Visa Signature® Credit Card, you can earn 20,000 points after spending $1,000 in the first 90 days.1 That’s a $200 statement credit!

Turn Your Spending Into Points

3 Points

per $1 on dining

2 Points

per $1 on groceries, gas & travel

1 Point

per $1 on all other purchases

Then Turn Your Points Into Rewards

Your points will never expire, so you can get rewarded whenever you choose, however you choose:

Cash Back:
Apply points to your statement balance.

Travel:
Special offers on flights, cruises, hotels, and car rentals.

Gift Cards:
Browse 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 15.00% - 17.99% APR2
  • Credit lines from $5,000 - $25,000
  • 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

Why Not Get Rewarded?

Applying is easy.

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.