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Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

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Listerhill Credit Union (en-US)

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Compare Credit Cards

Expand your purchasing power and enjoy freedom from annual fees.

Discover a credit card where your spending rewards you! Enjoy competitive rates, no annual fees, and the potential to earn 2% cash back on every purchase.

Shop with confidence knowing your information is secure. Zero liability fraud protection and advanced security features will give you peace of mind.

Explore the card options below to find the right one for your lifestyle.

Apply Now

Visa Signature Rewards Credit Card

Take advantage of a fixed rate, no annual fee, and 2% cash back on everything you buy. Maximize your earning potential with no spending caps.

You can choose to get cash back deposited to your share account, or you can apply cash back toward a statement credit.

It does not count toward your minimum payment, you have to make your minimum payment, but you can apply it to your balance.

Apply Now More About Our Visa Signature Rewards Card

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Visa Platinum Credit Card

Our Visa Platinum Credit Card is a great entry-level option for building a solid credit history. Enjoy a competitive rate, no annual fee, and Visa's trusted security.

Explore the many features and see why this is the ideal starter card for your wallet!

Apply Now More About Our Visa Platinum Card

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Features
Purchase APR
Annual Fee
Rewards
Balance Transfer Fee
Additional Perks
Listerhill Visa Platinum
Purchase APR
As low as 12.99% fixed APR
Annual Fee
Rewards
Balance Transfer Fee
Additional Perks
Free travel and rental insurance, free credit score, and no-fee cash advance
Learn More
Listerhill Visa Signature Rewards
Purchase APR
As low as 12.99% fixed APR
Annual Fee
Rewards
Unlimited 2% cash back on every purchase
Balance Transfer Fee
Additional Perks
Free travel and rental insurance, free credit score, and no-fee cash advance
Learn More
Capital One® Quicksilver Cash Rewards
Purchase APR
19.99% variable APR
Annual Fee
$0
Rewards
Unlimited 1.5% cash back on purchases
Balance Transfer Fee
Balance transfer fee of 3% of each transfer amount that posts to an account at a promotional APR (No transfer fee for balances transferred at Transfer APR)
Additional Perks
Free credit score and $0 fraud liability coverage
Bank Independent World Mastercard
Purchase APR
18.24% variable APR
Annual Fee
$95
Rewards
Unlimited 3% cash back on every purchase
Balance Transfer Fee
Balance transfer fee of $10 or 3% of each transfer, whichever is greater
Additional Perks
Earn a $500 cash back bonus if you spend $5000 in the first 90 days

Frequently Asked Questions About Our Credit Cards

  • What are the benefits of choosing a credit union's credit card compared to others?

    Our credit cards reward you for making purchases. They feature competitive interest rates and fewer fees than traditional banks. Members benefit from personalized customer service. We work closely with you to understand your financial situation and needs.

  • How can I compare credit card offers before making a decision?

    Carefully review rewards programs, like cash back or travel miles, when comparing credit cards. Also, consider the rewards rate, interest rates, annual fees, and any additional benefits the card includes.

  • What are some factors to consider when choosing a rewards credit card?

    Determine whether you prefer cash back, travel points, or other reward types. Then, explore how and when reward points accumulate, if there are spending caps, and how easy it is to redeem your rewards. Financial institutions like credit unions tend to offer great rewards credit cards.

Additional Credit Card Resources
Card Help
Redeem Your Credit Card Rewards

Learn more about your credit card benefits and the reward redemption process.
Calculator
Credit Card Payoff Calculator

Calculate what your credit card payments need to be based on your payoff goal in months.
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LCU Cards Mobile App

Our new LCU Cards mobile app was designed to give you more control of your debit and credit cards for easier financial management. It gives you the freedom to lock your cards to prevent unauthorized use, set spending alerts, and set travel notifications so your card works wherever you are. You can download the LCU Cards App from the Apple App Store or Google Play today and take control of your cards!
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 or credit card, please call 1-888-918-7819. This number is available 24 hours a day.

Additional Questions?

Listerhill has 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.

More Posts
How to Lower Your Credit Card Interest Rate

Credit cards provide instant access to borrowing that can make it easier to manage your monthly expenses and afford larger purchases.

Read
How Long Does a Balance Transfer Take?

Transferring your credit card balance from one card to another can allow you to save on interest and reduce stress with fewer monthly payments.

Read
Should I Use My Credit Card for Everything?

Read

Visa Signature Rewards Credit Card rates and terms are subject to change without notice. Subject to underwriting and credit approval. Actual rate and credit limit will vary according to creditworthiness. Signature Cards require a $5,000 or greater credit limit. 2% cash back does not apply to balance transfers or cash advances. Other restrictions may apply. APR = Annual Percentage Rate.

Visa Platinum Credit Card rates and terms are subject to change without notice. Subject to underwriting and credit approval. Actual rate and credit limit will vary according to creditworthiness. Other restrictions may apply. APR = Annual Percentage Rate.

Competitor information sourced from Capital One and Bank Independent, respectively. Information last sourced on 07/30/2024.

© 2024 Listerhill Credit Union (en-US). All Rights Reserved. Federally insured by the NCUA. NMLS #439260
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Frequently Asked Questions

  • What are some factors to consider when choosing a rewards credit card?

    Determine whether you prefer cash back, travel points, or other reward types. Then, explore how and when reward points accumulate, if there are spending caps, and how easy it is to redeem your rewards. Financial institutions like credit unions tend to offer great rewards credit cards.

  • How can I compare credit card offers before making a decision?

    Carefully review rewards programs, like cash back or travel miles, when comparing credit cards. Also, consider the rewards rate, interest rates, annual fees, and any additional benefits the card includes.

  • What are the benefits of choosing a credit union's credit card compared to others?

    Our credit cards reward you for making purchases. They feature competitive interest rates and fewer fees than traditional banks. Members benefit from personalized customer service. We work closely with you to understand your financial situation and needs.

  • What if I prefer to make my payments through a pre-authorized automatic payment arrangement (ACH)?

    Please contact TruHome at 844-203-3642 to set up automatic payments or visit here to set them up yourself.

  • What if I prefer to make my payments through the Listerhill Mobile Banking app or Online Banking?

    Unfortunately, when the transfer occurs, mortgages will not be displayed on our app or in online banking, but we are working to bring that functionality ASAP.

    In the meantime, please visit here to view all mortgage information and payment options.

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