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Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, 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.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

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.

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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).

Contactless

Contactless payments are secure, convenient, & touch free!  Tap to pay at many of your favorite places like fast-food restaurants, grocery stores, & vending machines. Just look for the Contactless Symbol at checkout!

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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.

  • What if my card doesn’t have the contactless functionality yet but I want to tap to pay?

    Even if your card isn’t contactless, load your card into your payment enabled phone to tap and pay today!

  • How do I know if my card is contactless?

    If your Visa card features the Contactless Indicator, you can use it to tap to pay where you see the Contactless Symbol.

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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Common Links

Frequently Asked Questions

  • What if I prefer to make my payments through a pre-authorized automatic payment arrangement (ACH)?

    Please contact TruHome at 844-203-3642 to set up automatic payments or visit here to set them up yourself.

  • What if I prefer to make my payments through the Listerhill Mobile Banking app or Online Banking?

    Unfortunately, when the transfer occurs, mortgages will not be displayed on our app or in online banking, but we are working to bring that functionality ASAP.

    In the meantime, please visit here to view all mortgage information and payment options.

  • What if I prefer to make my payments through the "Pay Your Loan" link on the Listerhill website?

    Unfortunately, after the transfer you will not be able to use this link to pay your mortgage. However, you can visit here to view all mortgage information and payment options.

  • What if I prefer to make my payments over the phone?

    You can reach TruHome's payment center by calling 844-203-3642.

  • What if I prefer to make my payments by mail or through Bill Pay at another financial institution?

    As a national servicing company, TruHome will probably be in your other financial institution's list of payees who accept electronic payments. If not, you can set up the account using the address below:

    TruHome Solutions, LLC

    P.O. Box 219958

    Kansas City, MO 64121-9958