How to Use Your Credit Card Wisely [Guide]
Credit cards are powerful tools for building credit and earning rewards when used wisely.
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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.
Your everyday spending, powered with purpose.
Simple, low rate borrowing you can count on.
Your everyday spending, powered by the Keystone Debit Card.2
| Credit Card | APR as low as (%) |
|---|---|
| Keystone Signature | 12.99% |
| Keystone Platinum | 12.99% |
| Credit Card | Keystone Signature |
| APR as low as (%) | 12.99% |
| Credit Card | Keystone Platinum |
| APR as low as (%) | 12.99% |
*Visa Keystone Signature Credit Card: APR = Annual Percentage Rate. Minimum credit limit of $5,000. All programs, rates, terms, and conditions are subject to change without notice. Borrowers subject to membership requirements. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Rates and credit limits may vary based on each individual borrower’s credit history and other underwriting factors. 2% cash back does not apply to balance transfers or cash advances. Other restrictions may apply to cash back benefits.
1Visa Keystone Platinum Credit Card: APR = Annual Percentage Rate. All programs, rates, terms, and conditions are subject to change without notice. Borrowers subject to membership requirements. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Rates and credit limits may vary based on each individual borrower’s credit history and other underwriting factors.
2Visa Keystone Debit Card: All rates, programs, terms and conditions are subject to change without notice. Information from consumer reporting agencies may be used in determining eligibility for deposit accounts.
When you choose a Listerhill Keystone Card, you're directly investing in UNA's future:
As of 2025, Listerhill has donated over $185,000 to UNA through the Keystone Debit program.
Supporting UNA with a simple swipe has never been easier. Open a checking account online and opt for a Keystone Debit Card today.
Did you know you can exchange your current Listerhill debit card for a Keystone Debit Card at any Listerhill branch? Swap your card today to start donating to UNA with every swipe.
You can apply as a current member or become a member during the application process if you meet eligibility and credit requirements.†
It means you won't be charged interest on qualifying purchases for the first 12 months after opening your new Listerhill Visa Signature® Rewards, Keystone Signature® Rewards, Visa Platinum®, or Keystone Platinum® credit card.†
This introductory 0% APR offer applies for 12 months from account opening.†
No; current Listerhill Visa Signature® Rewards, Keystone Signature® Rewards, Visa Platinum®, and Keystone Platinum® credit cardholders are not eligible for this offer, but other promotions may be available.
This offer is available to new Listerhill Visa Signature® Rewards, Keystone Signature® Rewards, Visa Platinum®, and Keystone Platinum® credit cardholders and is subject to credit approval.‡