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ESL Visa® Credit Card

Switch, Simplify & Save.

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Say goodbye to multiple credit card payments each month. With no balance transfer fees1 ever, consolidating higher-interest rate credit card balances is quick and easy with the ESL Visa Credit Card.

Compare & See the Difference

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.4 ESL Visa Credit Card Other Credit Card
(past the introductory promotion rate)
Annual Percentage Rate (APR) for Purchases & Balance Transfers 17.99%2 22.63%3
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 $15,908
ESTIMATED SAVINGS: $4,535

This example is for illustrative purposes only and actual numbers may vary, which may impact actual savings.
2: APR for purchases and balance transfers may vary from 13.50% to 17.99% based on your creditworthiness.
3: National APR as of February 2024.

Switch & Save

  • Experience the freedom of $0 balance transfer fees and $0 annual fees
  • Take advantage of our 0% Intro APR4 for 12 months on purchases and balance transfers, then low ongoing rates ranging from 13.50% to 17.99% APR4
  • Every purchase and average outstanding monthly balances could potentially increase your ESL Owners’ Dividend5

Switch & Save

  • Easily manage your account with ESL Mobile and Online Banking — pay your bill, track transactions, and access statements
  • Add your ESL credit card to your digital wallet for quick and secure transactions
  • Support anytime you need it — online, over the phone, or in person at any of our [current branch count] branches

What’s not to love? Apply for the ESL Visa Credit Card today.

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ESL Visa Credit Card Rates and Terms

Rates accurate as of

1: Cash advance and foreign transaction fees may apply.

4: 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 7/1/24, 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.