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About Our Ratings
Credit Needed
Limited

ESL Visa® Secured Credit Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Purchase APR
14.50% (variable) 

This card compared to other cash back cards

Cashback on Gas
1%
1% When You Buy, 1% As You Pay
Cashback on Groceries
1%
1% When You Buy, 1% As You Pay
Cashback on other
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.
1% When You Buy, 1% As You Pay
Purchase APR
14.50% (variable) 
11.24% - 23.24% Variable 
13.24% - 23.24%* (Variable) 
CardRatings.com Editorial Staff

ESL Visa® Secured Credit Card details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
None
Purchase Intro:
APR:
N/A
Purchase APR:
14.50% (variable)
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 11.00%
 11.00%
 11.00%
APR:
  14.50% (variable)
 14.50% (variable)
 14.50% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 N/A
 N/A
Intro Period:
 None
 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 past due status is corrected
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:
 None
Foreign Transaction Fee:
 1% of transaction amount
Late Fee:
 Up to $25
Over-the-limit Fee:
 None
Balance Transfer Fee:
None  


Notes:

Rebate Description:
 N/A
Special Notes:
 Must be an ESL Federal Credit Union member. ESL Visa Secured Credit Card is a practical option for establishing or restoring credit. Your credit line is based on the amount of money you deposit as collateral in an ESL Secured Credit Card Savings Account.
Credit Card More Information:

Card Issued By:
 ESL FCU
General Correspondence Address:
 100 Kings Hwy
Card Type:
 Visa
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 $300 min.
Maximum Credit Limit:
 $1000 max.
Credit Limit Notes:
 

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Apply online for Discover it®- Cashback Match™ with No Annual Fee

Discover it®- Cashback Match™ with No Annual Fee

  • 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% cashback 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.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good
Apply online for Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed:
Excellent/Good