ESL Visa® Credit Card

When it comes to managing your finances, simpler is smarter. With the ESL Visa Credit Card, you’ll experience a smarter, more affordable way to handle your money — without the fees and high interest that hold you back.

$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

More to Love

• Easy Account Management
  Access and manage your ESL Visa Credit Card with ESL Mobile and Online Banking — easily transfer balances, make a payment, track spending, view statements, and much more anytime, anywhere.
• ESL Owners’ Dividend
  Every purchase and your average outstanding monthly balances could potentially increase your ESL Owners’ Dividend.³
• $0 Annual Fees¹
  Keep your card year-round with no annual cost, so you can focus on what really matters.
• Member Support
  Get the support you need when you need it — online, over the phone, or at any of our [current branch count] convenient branch locations.

Apply now for the ESL Visa Credit Card

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ESL Visa Credit Card Rates and Terms

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.