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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 9/21/2020
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 Cards.

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.

Excused From Maintenance Fee

Enjoy the perk of no Maintenance Fee with your Listerhill membership while your Listerhill credit card is open.

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 you have a balance over $5 available in your Rewards account! You have the option to apply the balance as a statement credit or have the amount deposited into your Listerhill Share Savings Account.

  • 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?

    Yes, but only to another Merchandise Rewards card at Listerhill.

  • 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.

  • How do I redeem my Merchandise Rewards?

    The easiest way to redeem your Merchandise Rewards is to log into Listerhill’s Online Banking and click the “Get Info” link to the right of your credit card information. This will take you to our credit card servicing site within the same window. Select “Rewards” on the upper right side within the screen (below FICO Score) and on the next screen, click on the CURewards logo. This will automatically sign you in to be able to redeem your Merchandise Rewards points!

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 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

  • Is there a Listerhill branch in Athens?

    Our Listerhill branch in Athens, Alabama is under construction will be open and ready to serve you in spring 2022! Until then, our closest branch to the Athens, AL area is in Rogersville.

  • How is Listerhill involved with Athens State University?

    Because Listerhill also serves the Athens and Limestone County (Alabama) communities, Listerhill has recently partnered with Athens State in several ways. This includes providing $25,000 for the University’s Reading and Literacy Lab, partnering with the Athens State Alumni Association to provide access to Listerhill’s financial products and services for anyone outside Listerhill’s traditional field of membership, and providing even more free financial literacy courses to complement what the University offers to students and staff members for personal development.

  • What is the benefit of membership with Listerhill?

    At Listerhill, our focus is on “people helping people.” Whether you are looking to purchase your forever home, find your next car for that commute, or open a checking account to manage your everyday finances, we can offer you the support you need from beginning to end.

    As a nonprofit cooperative owned and operated by its members, you own an equal “share” in Listerhill and vote in elections for the Board of Directors and Supervisory Committee. That means your voice is always heard, and in turn, our actions reflect your needs and desires.

  • What is your rate and fee schedule?

    You can access our most current rate and fee schedule by downloading it here.

  • How am I eligible for membership at Listerhill if I don't live near a branch?

    You can become eligible for membership at Listerhill anywhere in Alabama if you join the Alabama Consumer Council or the Athens State Alumni Association. In Tennessee or Georgia, you can also become eligible for membership if you join the Athens State Alumni Association. This membership is initiated at no cost to you and doesn't require any setup on your part outside of the normal application process to become a member of Listerhill.