ESL Visa® Business Credit Card
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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.
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% on Purchases
N/a
Reward Rate
0 – 1x points
0% on Balance Transfers
N/a
Welcome Offer
None
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | There 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 Fee | 1% of transaction amount |
| Regular APR | 3.99% Introductory APR for six billing cycles on purchases following the account open date. After that, 15.24% (V) APR |
Pros & Cons
- No annual fee if you choose not to participate in the rewards program
- 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
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0
U.S. Bank Triple Cash Rewards Visa® Business Card
Rating
4.5
Rewards Range
1% - 5% Cash Back
Annual Fee
$0