ESL Visa® Business Credit Card

The ESL Visa® Business Credit Card is a business credit card designed for members of the ESL Federal Credit Union. It has a few quirks that differentiate it from most business credit cards. It offers 3.99% introductory APR on purchases for the first six months. There is a rewards program, but if you choose to participate, the annual fee for the card is $50. Also, you need to live in the Rochester, NY area to join the credit union. We dive into the details in this ESL Visa Business review.

credit card

Our Rating

2.0/5.0

Welcome Offer

None

Annual Fee

$0 if you don’t participate in the rewards program; $50 if you do participate

0% Intro on Purchases

N/a

Reward Rate

0 – 1x points

0% Intro on Balance Transfers

N/a

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsExtended Warranty Coverage, Purchase Protection, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Emergency Travel Assistance, Roadside Assistance

Rewards

1x points
All eligible purchases
Earn 1 point per dollar spent on all eligible purchases. There is a $50.00 Annual Membership Fee if you participate in the Rewards Program.

Interest Rates & Fees

Annual FeeThere is no Annual Membership Fee if you do not participate in the Rewards Program. There is a $50.00 Annual Membership Fee if you participate in the Rewards Program.
Foreign Transaction Fee1% of transaction amount
Regular APR3.99% Introductory APR for six billing cycles on purchases following the account open date. After that, 15.24% (V) APR

Pros & Cons

Pros
  • No annual fee if you choose not to participate in the rewards program
Cons
  • No welcome bonus
  • Foreign transaction fee
  • Rewards program requires an annual fee
  • Geographically limited

What Are the Best Alternatives?

The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card

Rating

4.6

Rewards Range

1% - 2%

Annual Fee

No annual fee

Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card

Rating

4.6

Rewards Range

1.5%

Annual Fee

$0

U.S. Bank Triple Cash Rewards Visa® Business Card
U.S. Bank Triple Cash Rewards Visa® Business Card

Rating

4.5

Rewards Range

1% - 5% Cash Back

Annual Fee

$0

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