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About Our Ratings

ESL Visa® Business Card Review

ESL Visa® Business Card details

Balance Transfer Intro APR:
None
Balance Transfer Intro Period:
None
Purchase Intro:
APR:
3.99% Fixed
Period:
6 billing_cycles
Purchase APR:
9.99% Variable
Annual Fee:
$0 - $50
see more details ∨

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 prime
 
 
Margin:
 6.74
 10.74
 14.74
APR:
  9.99% Variable
 13.99% Variable
 17.99% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 3.99% Fixed
 None
 None
Intro Period:
 6 billing_cycles
 None
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 18% Fixed
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 N/A
Maximum Default APR:
 Fixed
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:
 1%
Late Fee:
 N/A
Over-the-limit Fee:
 N/A
Balance Transfer Fee:
None  


Notes:

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. There is no Annual Membership Fee if you do not participate in the Rewards program. There is a $50 Annual Membership 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: 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 past due status is corrected.
Credit Card More Information:

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

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About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

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