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Credit Cards

Expand your purchasing power and earn rewards while you do it.

You save money with low rates and no annual fee on all of our credit cards, so the only decision left is whether you want to earn merchandise rewards or get cash back. Plus, you can rest easy knowing you have the local service (and rate) you expect from your credit union. 

Credit Cards

Card Name APR
Visa Platinum Cash Back as low as 8.99%
Visa Platinum Merchandise as low as 8.99%
Effective 1/2/2020
Here’s a Credit Card Comparison

Visa Platinum Cash Back Credit Card

With no annual fee, an unbelievably low rate starting at 8.99%, and unlimited 1% cash back, Listerhill's Platinum Visa Cash Back card is one of the best credit cards around.

With your cash back, you have the freedom to spend your reward how you choose. Put it in a savings account, spend it on something fun, or if you carry a balance, you can pay it down; the choice is yours. 

Are you ready to experience the benefits of a cash rewards credit card?

More About Cash Back Cards

Visa Platinum Merchandise Credit Card

Enjoy low rates, no annual fee, and rewards points for every dollar you spend so you can redeem your points for merchandise, gift cards, or travel experiences. 

There’s no need to worry about rotating bonus categories and remembering what you’ll earn points on this month or quarter. Easily earn points for every dollar and treat yourself.

Are you ready to secure your Listerhill Credit Union Visa Platinum Rewards card?

More About Rewards Cards

See below to learn more about the features of every card we offer. 

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Product Features
Low Rate

Enjoy annual percentage rates as low as 8.99%.

Mobile App

Manage your card with our new, redesigned credit card mobile app, LCU Visa.

No Annual Fee

And not just for the first year. $0 every year.

No Balance Transfer Fee

Transfer your balance from another card at no charge.

No Fee for Cash Advance

Get cash from your Platinum Visa at an ATM or in a branch for no additional charge.

Free Travel Insurance

Use your card to book travel & protect your trip.

Visa Alerts

Stay on top of your credit card spending by text or email with Visa Alerts. Monitor your balance, track spending, and more.

Free Rental Insurance

Rent a vehicle with your Platinum Visa and you're automatically in free Automotive Rental Collision Insurance.

Visa Checkout

Pay on any website that accepts Visa Checkout — no need to re-enter checkout information — and still receive the points from your card that you deserve. Learn more

Verified by Visa

Verified by Visa helps ensure that payments are made by the rightful owner of the Visa account, to make online purchases more secure. Learn More

Free Credit Score

Monitor your FICO® Score on each monthly statement.

Features
Purchase APR
Annual Fee
Rewards
Balance Transfer Fee
Additional Perks
Listerhill Visa Platinum Cash Back Card
Purchase APR
As low as 8.99% APR
Annual Fee
Rewards
Unlimited 1% cash back on purchases
Balance Transfer Fee
Additional Perks
Free travel and rental insurance, free credit score, and no-fee cash advance
Learn More
Listerhill Visa Platinum Merchandise Rewards
Purchase APR
As low as 8.99% APR
Annual Fee
Rewards
One point for every dollar spent to redeem on merchandise, gift cards or travel
Balance Transfer Fee
Additional Perks
Free travel and rental insurance, free credit score, and no-fee cash advance
Learn More

Frequently Asked Questions About Our Credit Cards

  • Is it worth getting a cash back credit card?

    If you can find one that also offers a low-interest rate, it’s worth getting a Visa cash back credit card. When you use a cash rewards credit card, you get rewarded for making everyday purchases. As long as you practice good spending habits, you’ll enjoy the benefits.

  • How does a cash back credit card work?

    Our cash back credit card gives you a flat rate of 1% back on all of your purchases. It acts as a rebate that you can redeem for cash as a statement credit or direct deposit in your account.

  • What is better cash back or points?

    Cash back and points offer their own set of benefits. You have more flexibility with what you can do with your cash back reward, and you can use points for specific benefits. Ultimately, it depends on your preferences.

  • How soon can I redeem my Cash Rewards?

    You can begin redeeming your Cash Rewards as soon as they are available in your Rewards account! You can redeem them as often as you choose or you can have us redeem them for you automatically by depositing the Cash Rewards into your Listerhill Share Savings Account annually (by December 1).

  • How do I earn points?

    You earn one point for every dollar you spend on eligible purchases with your Visa Platinum Rewards credit card. We keep track of your points and include your balance on your monthly account statement so you know where you stand.

  • Are my rewards points transferable?

    No, points are not transferable.

  • What interest rate will I get?

    Your interest rate will be determined after you submit your application. Many factors, including your credit score, help to assess your interest rate.

Additional Credit Card Resources
Card Security
Lost or stolen card?

Keeping you and your card safe from identity theft is our top priority. There are also steps you can take to help keep your card safe as well — even after it's gone missing. To report a lost or stolen debit card, please call 1-888-918-7819. To report a lost or stolen credit card please call 1-800-449-7728. Both phone numbers are available 24 hours a day.

Additional Questions?

Listerhill has been consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.

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Frequently Asked Questions

  • What if I need help using the app?

    To get answers to your questions about the app, you can give one of our customer service representatives a call at 800-239-6033

  • How do I register for the credit card app?

    First, you want to download the app from the iTunes or Google Play store. Then you can register your card from your phone. You will need to create a user ID and password and answer security questions.

  • How do you use the information that I provide during registration?

    When you provide information during registration, we verify your identity to validate your account. We only store your security question, security answer, user ID, and password in our system.

  • Which phone carriers are supported?

    Our app supports all of the major US wireless phone carriers, including Sprint, T-Mobile, and Verizon.

  • How much does the app cost?

    We do not charge a fee to use the app, though keep in mind that you might be responsible for charges associated with your phone data usage.