Skip to Content
Mockup Credit Card Small

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 12.99%
Visa Platinum Merchandise as low as 12.99%
Effective 5/15/2022
Here’s a Credit Card Comparison

Visa Platinum Cash Back Credit Card

With no annual fee, an unbelievably low rate starting at 12.99%, 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.

default icon for
Product Features
Features
Purchase APR
Annual Fee
Rewards
Balance Transfer Fee
Additional Perks
Listerhill Visa Platinum Cash Back Card
Purchase APR
As low as 12.99% 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 12.99% 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 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.

default icon for intro
What can we help you with?
default icon for borrow
What are you borrowing for?
default icon for vehicleOptions
Vehicle Options
default icon for homeOptions
Home Options
default icon for save
What are you saving for?
default icon for forMyKidsOptions
How old are your kids?
default icon for everydayBanking
Which of these banking options are you interested in?
default icon for checkingOptions
How old are you (or your child)?
default icon for purchasingPowerOptions
How old are you?
default icon for checking15Options
What kind of account are you looking for?
search popup background

What are you looking for?

Common Links

Frequently Asked Questions

  • How do I receive an incoming wire transfer at Listerhill?

    All incoming wires must be received using Listerhill's routing number of 262277011. The member should use the routing number along with their member number and share ID suffix or their draft number when receiving a wire.

    Wire to:

    Listerhill Credit Union

    4790 E. 2nd Street

    Muscle Shoals, AL 35661

    1-256-383-9204

    ABA No.: 262277011

    For credit to the account of:

    Member's Name:

    Member's Address:

    Member's Account No.:

  • What does it cost to send or receive a wire transfer?

    Incoming Domestic Wire Charge: $20.00

    Outgoing Domestic Wire Charge: $20.00

    Incoming Foreign Wire Charge: $35.00

    We do not process outgoing foreign international wires. We can receive them only.

  • Can I conduct a wire transfer through Listerhill?

    Listerhill is capable of receiving incoming wire transfers and sending outgoing domestic wire transfers. All Branch Managers, Loan Officers, Senior Member Advocates, Member Advocates, and Tellers can provide our members with information needed to receive incoming wire transfers.

    Branch Managers, Member Advocates, and Senior Member Advocates can assist with processing outgoing domestic wires.

    We do not process outgoing foreign international wires. We can receive them only.

  • How do I qualify for membership at Listerhill?

    To qualify for membership with Listerhill, you must meet one of the following requirements:

    • If you live in the states of Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member.
      • Depending on your individual eligibility requirements, 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.
  • If you do not live in qualifying counties or states

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