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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.

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Listerhill Credit Union (es)

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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 8.99%
Visa Platinum Merchandise as low as 8.99%
Effective 9/21/2020
Here’s a Credit Card Comparison

Visa Platinum Cash Back Credit Card

With no annual fee, an unbelievably low rate starting at 8.99%, 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.

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Product Features
Características
Purchase APR
Annual Fee
Rewards
Balance Transfer Fee
Additional Perks
Listerhill Visa Platinum Cash Back Card
Purchase APR
As low as 8.99% 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
Listerhill Visa Platinum Merchandise Rewards
Purchase APR
As low as 8.99% 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
Capital One Quicksilver®One Rewards
Purchase APR
26.99% variable APR
Annual Fee
$39
Rewards
Unlimited 1.5% cash rewards on purchases
Balance Transfer Fee
Additional Perks
Free credit score and $0 fraud liability coverage
Bank Independent World Mastercard
Purchase APR
12.99% to 18.99% variable APR
Annual Fee
Rewards
Earn double points on travel and dining purchases, one point per dollar spent on all other purchases
Balance Transfer Fee
Balance transfer fee of $10 or 3% of each transfer, whichever is greater
Additional Perks
10,000 bonus points when you spend $3,000 in the first 3 months

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!

Additional Credit Card Resources
Card Help
Redeem Your Credit Card Rewards

Learn more about your credit card benefits and the reward redemption process.

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Financial Fitness Resources

We care about your financial wellness. That’s why we’ve partnered with industry-leading BALANCE to provide you with free access to expertly-crafted financial education and resources to help with your fiscal matters.

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Credit Card Payoff Calculator

Calculate what your credit card payments need to be based on your payoff goal in months.

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LCU Cards Mobile App

Our new LCU Cards mobile app was designed to give you more control of your debit and credit cards for easier financial management. It gives you the freedom to lock your cards to prevent unauthorized use, set spending alerts, and set travel notifications so your card works wherever you are. You can download the LCU Cards App from the Apple App Store or Google Play today and take control of your cards!

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.

¿Preguntas adicionales?

Listerhill ha sido calificado constantemente en el nivel más alto por satisfacción general de nuestros miembros. Si bien esperamos que encuentre la información que necesita en línea, estaremos encantados de hablar con usted sobre las preguntas que pueda tener. Llámenos al (256) 383-9204 o al 1-800-239-6033 para obtener asistencia local amistosa. O incluso pase por una de nuestras sucursales para un servicio personalizado.

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Preguntas frecuentes

  • How can I spend or redeem my Cash Rewards?

    You can choose to apply your Cash Rewards as a statement credit or have the balance deposited into your Listerhill Share Savings Account. You may do so whenever you have a Cash Rewards balance (minimum of $5) in your CURewards account.

  • 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, 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.

  • If you do not live in qualifying counties

    If you do not live, attend school, own property, or work in the qualifying counties (listed above), you can become a member by joining an approved association (at no cost to you) if you reside in Alabama, Georgia, or Tennessee.

  • If you do live in qualifying counties

    You must live, attend school, own property, or work in qualifying counties:

    • Lauderdale County, AL
    • Colbert County, AL
    • Franklin County, AL
    • Marion County, AL
    • Winston County, AL
    • Cullman County, AL
    • Limestone County, AL
    • Lawrence County, AL
    • Morgan County, AL
    • Lamar County, AL
    • Fayette County, AL
    • Walker County, AL
    • Maury County, TN
    • Spring Hill, Williamson County, TN
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