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ESL Rewards Visa Signature® Credit Card

Bigger Rewards. Better Ways to Redeem.

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

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

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From dining out, to stocking up on groceries, to finally planning that dream vacation — the ESL Rewards Visa Signature Credit Card is here to help you make every purchase more rewarding.

Everyday Purchases, Everyday Rewards

  • Earn 3 points per $1 on dining, 2 points per $1 on groceries, gas, and travel, and 1 point per $1 on everything else.
  • Maximize your points by activating popular retailer offers to earn up to 10 points per $1.
  • Choose from cash back (as a statement credit), merchandise, gift cards, or travel rewards — it’s your rewards, your way!
  • Learn more about ESL uChoose Rewards®

Switch & Save

  • Earn a generous 20,000 Bonus Rewards Points when you spend $1,000 within the first 90 days of opening your account.1
  • Enjoy the convenience of a 0% Intro APR2 for 12 months on both purchases and balance transfers.
  • Benefit from competitive ongoing rates ranging from 16.50% to 17.99%.2
  • With no annual fee or balance transfer fees2 ever, you can maximize your rewards without any hidden costs.
  • Consolidate debt and manage higher-interest rate credit card balances with ease.

Earn & Grow With Us

  • Every purchase you make with your ESL Rewards Visa Signature Credit Card (and your average outstanding monthly balances) contributes to the growth of your ESL Owners’ Dividend,3 providing added benefits with every use.

Apply for the ESL Rewards Visa Signature Credit Card today and make every purchase more rewarding.

ESL Rewards Visa Signature Credit Card Rates and Terms

Rates accurate as of

1: New accounts receive 20,000 Bonus Rewards Points by making $1,000 in qualified purchases within the first 90 days from account open date.

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 3/15/24, the Prime Rate was [current prime rate]. Foreign transaction fees may apply.

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.