Save & Simplify

With the ESL Visa® Credit Card

Zero reasons not to switch

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

APPLY ONLINE  See How You Could Save

If you’re looking to consolidate higher-interest rate credit card balances, save money, and simplify monthly payments, then the ESL Visa Credit Card is your perfect match.

$0 Balance Transfer Fees1

Save when you transfer your higher-interest rate credit card balances

0% Intro APR for 12 months2

Followed by low ongoing rates from 12.50%-17.99% APR2

Simplify Your Monthly Payments
Easily transfer balances, make a payment, track spending and view statements anytime, anywhere through ESL Mobile and Online Banking.

ESL Owners’ Dividend
Every purchase and average outstanding monthly balances could potentially increase your ESL Owners’ Dividend.3

Enjoy $0 Annual Fees1
Keep your card year-round with no annual cost.

Member Support
We’re here to help you whenever you need it — online, over the phone, or at any of our [current branch count] convenient branch locations.

Experience a smarter, more affordable way to handle your money.

Apply now for the ESL Visa Credit Card

Want to learn more about our rewards card?

ESL Visa Credit Card Rates and Terms

Rates accurate as of

1: Cash advance and foreign transaction fees may apply.

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 + 5.00% 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: 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.