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ESL Visa® Business Card Review

ESL Visa® Business Card details

Balance Transfer Intro APR:
Balance Transfer Intro Period:
Purchase Intro:
3.99% Fixed
6 billing_cycles
Purchase APR:
9.99% Variable
Annual Fee:
$0 - $50
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Credit Card Rate Information:

  Balance Transfer
  Cash Advance
  9.99% Variable
 13.99% Variable
 17.99% Variable
APR Floor:
Intro Rate:
 3.99% Fixed
Intro Period:
 6 billing_cycles

Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 18% Fixed
Default/Penalty Margin:
Default/Penalty APR Floor:
Maximum Default APR:
Penalty/Default Trigger:
 This APR may be applied to your account if your minimum monthly payment is not made for two consecutive billing cycles.

Credit Card Fee Information:

Annual Fee:
 $0 - $50
Foreign Transaction Fee:
Late Fee:
Over-the-limit Fee:
Balance Transfer Fee:


Rebate Description:
 Optional Rewards Program: $50 Annual Membership Fee with ScoreCard Rewards®. Earn Bonus Points for every qualifying purchase you make and turn them into gift, travel and/or experience awards.
Special Notes:
 Must be an ESL Federal Credit Union member. Annual Fee: $0 if you do not participate in the Rewards program; $50 Annual Fee if you participate in the Rewards Program. APR for Purchases: 3.99% Introductory APR for six billing cycles following the account open date; after that, 9.99%; this APR will vary with the market based on the Prime Rate. Balance Transfer and Cash Advance Fees: None. International Service Assessment Fee: 1% of transaction amount. Late Payment Fee: $39. Returned Payment Fee: $35. Over the Credit-Limit Fee: $39. Penalty APR: 18%; if your APRs are increased for the reason stated, the Penalty APR will be applied until the billing cycle after your twelfth consecutive monthly payments that is paid by the due date.
Credit Card More Information:

Card Issued By:
General Correspondence Address:
 100 Kings Hwy
Card Type:
Card Class:
Card Category:
States Available In:
Minimum Credit Limit:
Maximum Credit Limit:
Credit Limit Notes:

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Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
Credit Needed: