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Visa Platinum Merchandise Rewards

Finally, a credit card with a low rate, local service, and no surprises.

Expand your purchasing power, all while earning reward points for every dollar you spend. You can rest easy knowing you have the local service (and rate) you expect from your credit union.

Secure your card Visa Platinum Rewards card with interest rates as low As 12.99% APR and a $0 Annual Fee.

Product Features
Competitive Rates

Get a fixed rate as low as 12.99%.

Earn Merchandise Rewards

Receive one point for every dollar you spend and redeem for merchandise, gift cards, or travel experiences.

Visit CURewards

Free Credit Score

Monitor your FICO® Score on each monthly statement.

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 Rental Insurance

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

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 Travel Insurance

Use your card to book travel & protect your trip.

Visa Checkout

Pay on any website that accepts Visa Checkout — no need to re-enter checkout information — and still receive the rewards 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

Excused From Maintenance Fee

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

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Get Your Visa Platinum Rewards Card

At Listerhill Credit Union, we proudly offer Visa credit cards that support you in reaching your financial goals. Our Visa Platinum Rewards card has a rewards program allowing you to redeem points that you can use for many purchases, from an airline ticket to gift card merchandise.

Ready to secure your Listerhill Credit Union Visa Platinum Rewards card?

Visa Platinum Merchandise Rewards Card Frequently Asked Questions

  • What is a Visa Platinum Rewards Credit Card?

    A Visa Platinum Rewards credit card is designed to provide you with the opportunity to earn rewards with each use.

  • 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!

  • How do I qualify for a Visa Platinum Rewards card?

    To qualify for a credit card, you will need to provide information related to your employment, along with permission for us to perform a credit check. If you have the income and financial background to support additional credit, you should qualify. If not, we will advise you as to why your application was denied.

  • How do I open my credit card?

    To open your credit card, you can apply online or give us a call at 800-239-6033 to speak with one of our credit specialists.

  • What if I need to speak with someone about my rewards?

    Please call us at 800-239-6033 to speak with one of our representatives.

  • What are my credit card benefits?

    Not only does Listerhill Credit Union offer the most competitive rates available with no annual fee, but we also provide several tools to help you get the most out of your Visa Platinum Rewards card. Click here to see a full list.

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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 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

  • 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.