WalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersNo rewardsNo initial rewards bonusForeign feeRequires excellent credit
Excellent Credit
$0
0% intro APR for 12 months, 11.75% - 17.99% (V) APR after that
0% intro APR for 12 months, 11.75% - 17.99% (V) APR after that
Balance Transfer Fee
Travel and emergency assistance including Emergency Message Service, Medical and Legal Referral Assistance, Lost Luggage Assistance, Emergency Ticket Replacement and more.
Additional and replacement cards.
Free Warranty Manager includes warranty registration and extended warranty protection.
Auto rental insurance which automatically covers vehicle damage or theft up to the full value of most vehicles rented using the Credit Card.
| cash advance fee | 0% |
| cash advance APR | 17.90% |
| foreign transaction fee | 1% |
| smart chip | Yes, chip-and-PIN |
| max late fee | $25 |
| max overlimit fee | $0 |
| max penalty APR | 18% |
| grace period | 25 days |
No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
No rewards
No initial rewards bonus
Foreign fee
Requires excellent credit
annual fee$0 | annual fee$0 | annual fee$0 |
Purchase Intro APR0% for 12 months | Purchase Intro APRNot Offered | Purchase Intro APR0% for 12 months |
transfer intro apr0% for 12 months|Transfer Fee: $0 | transfer intro aprNot Offered | transfer intro apr0% for 21 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer |
Regular APR11.75% - 17.99% (V) | Regular APR13.5% - 18.00% (V) | Regular APR16.49% - 27.24% (V) |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now | Sponsored Apply Now |
Can't find what you are looking for? Submit your question about ESL Federal Credit Union Visa Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The ESL Visa Credit Card balance transfer limit is equal to the credit limit on your card.
So, if you have a $10k credit limit you could transfer that amount to the card.
To be considered eligible for the ESL Federal Credit Union Visa Credit Card you'll need a credit score of at least 750 (excellent credit). And besides your credit score, the issuer will also look at other factors to decide whether to approve you or not, such as your:
Keep in mind that in order to apply for the ESL Federal Credit Union Visa Credit Card, you must be an ESL FCU Member.
Share your insights and review for the ESL Federal Credit Union Visa Credit Card
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Offer last updated: Jun 18th, 2026 at 17:28 ET
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