Visa Platinum Cash Back

Earn 1% Cash Back From Your Purchases

Imagine receiving cash back on your everyday purchases. Thankfully, you don’t have to imagine, because with the Visa Platinum Cash Back Credit Card you earn 1% cash back on everything you buy.

To make it even better, you can score an unbelievably low-interest rate starting at just 8.99%, and you pay a $0 annual fee. We keep it manageable by offering 1% cash back on all purchases, so there’s no need to track rotating categories or bonus categories that come along with some rewards cards.

Our Visa Platinum Cash Back Credit Card is one of the best cards you can have in your wallet. Plus, you can rest easy knowing you have the local service (and rate) you expect from your credit union.

Secure your Visa Platinum Cash Back Credit Card with interest rates as low as 8.99% APR and a $0 Annual Fee.

Product Features
Low Rate

Enjoy annual percentage rates as low as 8.99%.

Earn 1% Cash Back

Earn unlimited 1% cash back on all purchases. Have it deposited in your Listerhill account or applied to your credit card statement.

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.

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Get Your Visa Platinum Cash Back Credit Card

At Listerhill Credit Union, we are proud to offer you Visa credit card options to help support you in achieving your personal and financial goals. Our Visa Platinum Cash Back Credit Card allows you to earn 1% cash back on every purchase. So whether you’re buying groceries or filling your car with gas, every purchase gets you cash back.

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

Visa Platinum Cash Back Credit Card Frequently Asked Questions

  • 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.

  • Why do credit cards offer cash back?

    Credit card companies can offer cash back because merchants that accept payments via credit card have to pay a percentage of the transaction fee to the credit card company. In this case, the credit card company can decide to share the merchant fee with you in the form of a cash back offer. 

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Protecting Your Information

How To Report Fraud

If you suspect you are the victim of fraud, immediately contact Listerhill at 256-383-9204 or 800-239-6033 or email us at support@listerhill.com.

How To Report A Lost Or Stolen Credit Card

Immediately call 1-800-449-7728.

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.

Consumer Credit Card Agreement And Disclosure
Important information about your credit card
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Frequently Asked Questions

  • When does it make sense to refinance a mortgage?

    Refinancing your home loan can be a great option to secure a better loan for your current circumstances and future goals. It makes sense to refinance your mortgage if one of the benefits will be helpful for you:

    • Secure a lower interest rate
    • Reduce your mortgage term
    • Switch from an adjustable-rate mortgage to a fixed-rate mortgage or vice versa
    • Borrow against the equity in your home


    If doing any of the above would benefit you, refinancing might be the next best move.

  • Maintenance Fee

    New Fee:Details:
    Maintenance Fee We are introducing a new $5/month Maintenance Fee to all members. However, this fee can be waived if you meet just one of the following criteria: 

     • You or someone in your household has had a current loan or mortgage within the last 12 months. 
     • You or someone in your household has an open credit card 
     • You or someone in your household has an aggregate average daily balance of $3,000 in your accounts
     • You or someone in your household has a relationship with our Listerhill Financial Services department 
     • You have paid at least $125 in NSF, Transfer, or Courtesy Pay fees for the month 
     • You are under the age of 25 
     • Your account is less than 90 days old 
     • You have paid a Return Mail Fee or an Inactive Account Fee for the month
  • Jumbo Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:

    Jumbo Certificates Early Withdrawal Penalty

    • Terms of 1 year or less: 30 days interest

    • Terms of over 1 year: 90 days interest

    Monthly Certificate Early Withdrawal Penalty

    • Terms of 1 year or less: 90 days interest

    • Terms of 18 mos-2 yrs: 180 days interest

    • Terms of over 2 years: 210 days interest

  • Regular Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:
    Regular Certificates Early Withdrawal Penalty

     • Terms of 1 year or less: 30 days interest 
      
     • Terms of over 1 year: 90 days interest
    Quarterly Certificate Early Withdrawal Penalty 

     • Terms of 1 year or less: 90 days interest 

     • Terms of 18 mos-2yrs: 180 days interest 

     • Terms of over 2 years: 210 days interest
  • Relationship Fee

    Existing Fee:Changing To:
    Relationship Fee This fee is being eliminated. If you currently pay the $10/month Relationship Fee, you will no longer be charged this fee.