Credit Cards

TWO powerful cards from Empire ONE

Visa® Classic Credit Card

The Empire ONE Visa® Classic Credit Card features a great everyday rate and these classic benefits:

  • No annual fee
  • No minimum finance charges
  • A 25-day interest free grace period
  • No foreign currency conversion fees, so you don’t pay extra when you make purchases outside the U.S.

Visa® Gold Credit Card

The Empire ONE Visa® Gold Credit Card features our lowest credit card rate and these benefits:

  • No annual fee
  • No minimum finance charges
  • A 25-day interest free grace period
  • No foreign currency conversion fees, so you don’t pay extra when you make purchases outside the U.S.

Lost card?

Call 800.528.2273 to report your card lost or stolen as soon as you are aware of it.

Apply Online
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Visa application


The Orchard Park Branch will be closed Dec 2-4. Our William St branch is still open. Thank you for your understanding!