Average Consumer Ratings:

No ratings available for this card.

Be the first to rate!

ESL Visa® Gold Credit Card

Credit Card Rate Information:

Balance Transfer
Cash Advance

 6.73 - 14.74
 6.73 - 14.74
 6.73 - 14.74
  9.98% - 17.99% Variable
 9.98% - 17.99% Variable
 9.98% - 17.99% Variable
APR Floor:
Intro Rate:
 3.99% Fixed
 3.99% Fixed
 3.99% Fixed
Intro Period:
 6 billing_cycles
 6 billing_cycles
 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:
Foreign Transaction Fee:
Late Fee:
Over-the-limit Fee:
Balance Transfer Fee:


Rebate Description:
 Visa Rewards: Receive special offers and discounts from participating merchants. Redeem for merchandise, travel, restaurants and more.
Special Notes:
 Must be an ESL FCU member. APR for Purchases, Cash Advances and Balance Transfers: 3.99% Introductory APR for six billing cycles following the account open date (rate available to new accounts only). After that, between 9.98% to 17.99% based on your creditworthiness (variable with Prime rate). Grace Period: At least 25 days after the close of each billing cycle; Card issuer will not charge you interest on Purchases if you pay the entire balance by the due date each month. There is no grace period for cash advance or balance transfer transactions; finance charges accrue from the date of the transaction. Late Payment Fee: Up to $25. Returned Payment Fee: Up to $25. Penalty APR: 18%; 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.
Card Issued By:
General Correspondence Address:
 100 Kings Hwy, South Rochester, NY, 14617
Card Type:
Card Class:
Card Category:
 Balance Transfer, Credit Card Deals, Low Interest, Low Intro Rate
States Available In:
Minimum Credit Limit:
 $500 min.
Maximum Credit Limit:
 $15000 max.
Credit Limit Notes:

E-Mail will not be published

*The credit card information displayed here has been collected by CardRatings.com and has not been reviewed or provided by the issuer of this card.

Consumer Reviews

  1. No reviews available for this card. Be the first to review!