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ESL Rewards Visa Signature® Credit Card

Make every purchase count 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

Whether you’re enjoying a delicious meal, stocking up on essentials, or planning your next adventure, earn points on every purchase with the ESL Rewards Visa Signature Credit Card.

3 points per $1 spent on dining
2 points per $1 spent on groceries, gas, and travel
1 point per $1 spent on all other purchases

Plan Your Next Adventure and Earn Rewards

Getting ready for that last summer getaway? Use this chart to see how much you could earn in rewards points with the ESL Rewards Visa Signature Credit Card.

  Spend Amount Rewards Points Earned
Hotel $750 1,500
Air Fare $600 1,200
Dining at Restaurants $300 900
Bonus Points for spending $1,000 in first 90 days1   20,000
Total Rewards Points 23,600
Redeem rewards points for a $236 statement credit!
Other redemption options include:
Merchandise, gift cards, travel, and paying with your points when you use PayPal.

This example is for illustrative purposes only and actual numbers may vary, which may impact actual rewards.

Switch & Save

  • Experience the freedom of always having $0 balance transfer fees2 and $0 annual fees2
  • Take advantage of our 0% Intro APR for 12 months on purchases and balance transfers, then an ongoing rate of 16.50%-17.99%3
  • Every purchase and average outstanding monthly balances could potentially increase your ESL Owners’ Dividend4

More Great Benefits

  • 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.

Apply for the ESL Rewards Visa Signature Credit Card today and experience the rewards for yourself.

Learn more about consolidating credit card balances with a lower rate with our ESL Visa® Credit Card.

ESL Rewards Visa Signature Credit Card Rates and Terms

Rates accurate as of

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: Cash advance and foreign transaction fees may apply.

3: 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 7/1/24, the Prime Rate was [current prime rate].

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.