Reward Every Purchase & Enjoy More Perks

With the ESL Rewards Visa Signature® Credit Card

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

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

APPLY ONLINE

Make every purchase more rewarding and earn up to 3x points on purchases with the ESL Rewards Visa Signature Credit Card:

3 Points

per $1 on dining

2 Points

per $1 on groceries, gas & travel

1 Point

per $1 on all other purchases

Get a Jump Start on Rewards

New accounts are eligible to earn 20,000 points after they spend $1,000 in the first 90 days1 — that’s a $200 statement credit!

What’s Not to Love?

  • Enjoy a Special Low Intro Rate
    Enjoy 0% Intro APR for 12 months on purchases and balance transfers, followed by ongoing rates of 15.50%-17.99%.2
  • $0 Balance Transfer Fees and $0 Annual Fees3
    Keep more money where it belongs — in your pockets. Consolidate higher-interest rate balances and meet your financial goals without hidden fees.
  • Easily Manage Your Account
    Easily transfer balances, view and redeem rewards points, make a payment, track spending, view statements, and more anytime, anywhere through ESL Mobile and Online Banking.
  • ESL Owners’ Dividend
    Every purchase and your average outstanding monthly balances could potentially increase your ESL Owners’ Dividend.4
  • Member Support
    We’re here to help whenever you need it — online, over the phone, or at any of our [current branch count] convenient branch locations.

Enjoy the Perks

Turn your points into perks whenever you want. And the best part — your points never expire! You have a variety of redemption options to choose from:

  • Cash Back: Apply points towards a statement credit.
  • Travel: Enjoy exclusive deals on cruises, airlines, hotels, and car rentals.
  • Merchandise & Gift Cards: Choose from millions of products and 650+ gift card brands.
  • Pay With Points: Use points for purchases with PayPal.

Why Wait?

Start earning up to 3x points on your purchases.

Apply now for the ESL Rewards Visa Signature Credit Card

ESL Rewards Visa Signature Credit Card Rates and Terms

Rates accurate as of

Looking for a credit card with a low rate? Read more about our ESL Visa® Credit Card.

1: New accounts receive 20,000 Bonus Rewards Points by making $1,000 in qualified purchases (less returns) within the first 90 days from account open date. Cash advances and balance transfers are not eligible.

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 [current prime rate date], the Prime Rate was [current prime rate].

3: Cash advance and foreign transaction fees may apply. 

4: 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.