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All branches will be self-service only Monday, October 10th, for Columbus Day. Normal business hours will resume Tuesday, October 11th. Smart ATMs and Online and Mobile Banking will remain available.

Visa Business Credit Card

​The Business Credit Card you should expect from the financial cooperative that knows your business.

Our Visa Business Credit Card offers the great benefits you expect, like zero annual fees and 2% cash back on all purchases, plus more. Staying committed to going above and beyond, we also offer additional perks, like travel insurance, flexible credit limits, competitive fixed rates, and more.

Visa Business Credit Card
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Product Features
Earn 2% Cash Back

Earn unlimited 2% cash back on all purchases. Have it deposited in your Listerhill account or applied to your credit card statement.

Travel Insurance

Use your card to book travel & protect your trip.

Enhanced Security

Enhanced debit card security with EMV chip technology.

Visa Alerts

Stay on top of your credit card spending by text or email with Visa Alerts. Monitor your balance, track spending, and more.

Monthly Reports

Monthly company reports showing transactions by category.

Multiple Users

Multiple users with varying credit limits all under one control account

Competitive Rates

Competitive rates as low as 12.99% Annual Percentage Rate.

Visa Savings Edge merchant discounts

Visa Savings Edge merchant discounts

Flexible Credit Limit

Get the credit limit you need with limits up to $50,000 (higher limits may be available).

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Business Credit Card Checklist

If you recently applied for a business loan with Listerhill Credit Union, please contact our Business Services department to determine if any information needs to be updated. We ask that you make copies of all documentation that you submit with your credit card application, as we will retain your submitted paperwork.

Please gather the subsequent list of documents prior to your appointment with a Listerhill representative. The “Business Application” and “Personal Financial Statement” can be printed by clicking the links provided.

What You Need to Apply:

  • Business Application
  • Personal Financial Statement
  • Last 2 years of Personal Federal Tax Returns with all attached schedules and W2's
  • Last 2 years of Business Tax Returns with all attached schedules
  • Interim Profit & Loss and Balance Sheet
  • Rent Roll to include property taxes, insurance, mortgage payment, and loan balance, if applicable.

The final decision will be based on credit worthiness. Rate subject to change. Other documentation may be required to complete the Visa card application process. Discuss full terms and conditions with your account representative.

Listerhill Visa Business Credit Card FAQs

  • Why should I choose the Listerhill Business Credit Card?

    We know you have a lot of choices when it comes to applying for a business credit card. At Listerhill Credit Union, we take pride in providing our clients with more benefits than they can count! First and foremost, you will have access to the best customer service in the industry. You are more than a number to us and we will always be here to provide you with the assistance you need.

    We also provide our clients with peace of mind if their Visa cards become lost or stolen. Whether you drop your card while running errands locally or it gets stolen on an overseas business trip, our team is here to make sure you are taken care of.

    Finally, the advantages of the Listerhill Business Visa itself are worth the application. Our rates and fees will always remain competitive, so you can trust you’re never paying too much for your business expenses. You will also earn 2% cash back every time you use your card.

  • Will my personal credit be impacted?

    Generally, business owners’ personal credit scores are not affected by business credit card applications. Talk to your Listerhill Credit Union representative if you have any questions regarding your personal credit score and how it could be impacted.

    It is important to note that if your Listerhill business credit card activity does appear on your personal credit report, there will be no differentiation between the two. In other words, business expenditures will be treated the same as personal purchases by the credit bureaus. Thus, it is crucially important to keep your new business Visa in good standing.

  • What can I expect in regard to credit limit?

    The credit limit on your Listerhill business credit card will be dictated by numerous factors, including your current debt-to-income ratio. Although there is no single answer to this question, it is worth noting that small business owners in 2016 had a median total credit limit of $56,100 across all of their credit cards. If you are concerned about the credit limit you are granted, our account representatives are here to provide you with assistance.

    Your credit limit may also be affected by your personal credit score. If your FICO score is below a certain threshold, you could find yourself with a lower credit limit than you would like. The good news is that there are many steps you can take to improve your FICO rating, ultimately increasing your credit limit over time.

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.

Business Credit Card Agreement
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Frequently Asked Questions

  • What if I had merchandise points?

    Cashbackmall will be available for redemption on 9/1/22 for cards converting to cash back rewards from merchandise points.

  • Who is eligible for Cash Back Rewards?

    Cash Back Rewards are available for Listerhill Signature Credit Cards. Signature credit cards require a limit of $5,000 or greater.

  • How much do I get back in Cash Rewards?

    Cash Back Rewards are calculated at 2% on purchases. Cash Advances and Balance Transfers do not earn Cash Back Rewards.

  • Are Cash Back Rewards transferable?

    Cash Back Rewards are not transferrable. Cash Back Rewards may be redeemed and transferred between accounts through Online Banking as rules apply.

  • How do I redeem my Cash Back Rewards?

    The easiest way to redeem your Cash Back 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 “cashbackmall”.
    • Click on redeem and choose the option to Get Statement Credit (statement credit does not fulfill the obligation to pay a minimum payment each statement cycle-to apply as a minimum payment; the redemption must be deposited to your Listerhill Cash Back Account and it can then be applied as a payment toward your minimum due obligation) or deposit to Listerhill Cash Back Account.