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ESL FCU Visa® Secured Credit Card Review
Cashback on groceries
This card compared to other cash back cards
ESL FCU Visa® Secured Credit Card
Cashback on Gas
3% at U.S. gas stations
Cashback on Groceries
6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
Cashback on other
1% other purchases. Terms and limitations apply.
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
0% on Purchases
for the first 12 months
11.49% - 23.49% Variable
CardRatings.com Editorial Staff
ESL FCU Visa® Secured Credit Card details
Balance Transfer Intro APR:
Balance Transfer Intro Period:
Finance Calculation Method:
Average Daily Balance (including new purchases)
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 APR Floor:
Maximum Default APR:
This APR may be applied to your account if your minimum monthly payment is not made for two consecutive billing cycles.
Foreign Transaction Fee:
1% of transaction amount
Up to $25
Balance Transfer Fee:
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.
General Correspondence Address:
100 Kings Hwy
South Rochester, NY 14617
Minimum Credit Limit:
Maximum Credit Limit:
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