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About Our Ratings
Credit Needed
Excellent

ESL Visa® Business Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
$0 Annual Membership Fee if you do not participate in the Rewards Program; $50 Annual Membership Fee if you participate in the Rewards Program.

This card compared to other cash back cards

Cashback on Gas
Unlimited 1.5% cash back
1%
Cashback on Groceries
Unlimited 1.5% cash back
1%
Cashback on other
Unlimited 1.5% cash back
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
3.99% Introductory APR for six billing cycles following the account open date
Period:
6 billing cycles
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
for 12 months
Purchase APR
10.24% (variable) 
14.24%-23.24% Variable 
11.24% - 23.24% Variable 
CardRatings.com Editorial Staff

ESL Visa® Business Card details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
None
Purchase Intro:
APR:
3.99% Introductory APR for six billing cycles following the account open date
Period:
6 billing cycles
Purchase APR:
10.24% (variable)
Annual Fee:
$0 Annual Membership Fee if you do not participate in the Rewards Program; $50 Annual Membership Fee if you participate in the Rewards Program.
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 6.74%
 10.74%
 14.49%
APR:
  10.24% (variable)
 14.24% (variable)
 17.99% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 3.99% Introductory APR for six billing cycles following the account open date
 N/A
 N/A
Intro Period:
 6 billing cycles
 None
 None


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 18.00% (fixed): If your APRs are increased for the stated reason, the Penalty APR will be applied until the billing cycle after your twelfth consecutive on-time monthly payment
Default/Penalty Margin:
 N/A
Default/Penalty APR Floor:
 None
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 Annual Membership Fee if you do not participate in the Rewards Program; $50 Annual Membership Fee if you participate in the Rewards Program.
Foreign Transaction Fee:
 1% of transaction amount
Late Fee:
 $39
Over-the-limit Fee:
 $39
Balance Transfer Fee:
None  


Notes:

Rebate Description:
 Optional Rewards Program: $50 annual fee applies; Earn points on qualifying purchases and redeem them for merchandise, airfare, travel, and other rewards with ScoreCard┬« Rewards
Special Notes:
 Must be an ESL Federal Credit Union member. Returned Payment Fee: $35.
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:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO(R) Credit Scores for free on statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good