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ESL Visa® Credit Card

With so many zeros, there are zero reasons not to switch.

Zero reasons not to switch

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$0 balance transfer fee1 at any time.

$0 annual fee1 every year.

0% Intro APR for 12 months, followed by low ongoing rates from 12.50%-17.99%.2

Switch & Save

Consolidate higher-interest rate credit card balances and simplify your finances with the ESL Visa Credit Card.

This example shows potential savings by transferring a balance you have on a credit card (that is past the introductory promotional rate period) to an ESL Visa Credit Card.

Transfer your credit card balance with no cost to you and receive 0% APR for 12 months.2 ESL Visa Credit Card Other Credit Card
(past the introductory promotion rate)
Annual Percentage Rate (APR) for Purchases & Balance Transfers 17.99%3 22.76%4
Estimated Balance $10,000 $10,000
If you make no additional charges using this account and each month you pay $300 $300
You will pay off the estimated balance shown in about 3 years and 2 months 4 years and 5 months
And you will end up paying an estimated total of $11,370 $15,971
ESTIMATED SAVINGS: $4,601

This example is for illustrative purposes only and actual numbers may vary, which may impact actual savings.
3: APR for purchases and balance transfers may vary from 12.50% to 17.99% based on your creditworthiness.
4: National APR as of May 2024.

Add Up the Benefits

  • Potentially increase your ESL Owners’ Dividend5 with every purchase and your average monthly outstanding balances
  • Manage your account with ESL Mobile and Online Banking — transfer credit card balances, pay your bill, track transactions, and access statements
  • Add your ESL credit card to your digital wallet for quick, secure transactions
  • Support anytime you need it — online, over the phone, or in person at any of our [current branch count] branches

Say goodbye to multiple credit card payments each month and hello to simplicity and savings. Apply today!

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].

5: 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.