For a limited time, Listerhill is offering 0% APR on purchases for 12 months when you open a new Listerhill credit card.† It's a simple, valuable offer designed to help you manage everyday expenditures without having to worry about interest surprises down the road.
What we're offering...
We believe clarity builds trust. Here's what to expect:
- 0% APR on purchases for the first 12 months on a new Listerhill credit card.†
- A simple, seamless application - online or at a Listerhill branch.
- No extra steps. No special enrollment required.
This offer is available for new credit cardholders for a limited time only.
Choose the card that fits your life.
No matter your choice, you're getting a credit card with a fixed-rate as low as 12.99% APR.‡
Listerhill's Visa Signature® Rewards Credit Card
UNA Keystone Program
Get the Same Benefits, Plus the Opportunity to Give Back
When you choose the Keystone option of Listerhill's Visa Signature® Rewards or Visa Platinum® credit card, you get the same great card features and benefits, plus the opportunity to directly invest in the University of North Alabama's future.
For every transaction made on your Keystone Signature® Rewards or Keystone Platinum® card, Listerhill will donate a portion of that transaction to UNA's Alumni, Athletics, and Advancement programs.
Why make Listerhill your top-of-wallet card?
At Listerhill Credit Union, we don't measure success by transactions. We measure it by relationships.
We're a member-owned, not-for-profit cooperative with competitive rates and a trusted partner focused on your long-term financial well-being.
When you choose Listerhill, you're choosing a credit card and a credit union that's invested in you.
Only available for a limited time.
This introductory 0% APR for 12 months offer† is only available for a limited time. Apply now and take advantage of a credit card that's designed to support your financial life - not complicate it.
Frequently Asked Questions
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Who qualifies for the 0% APR for 12 months offer? 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.‡
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Do current Listerhill credit cardholders qualify? 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.
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How long does the 0% APR last? This introductory 0% APR offer applies for 12 months from account opening.†
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What does 0% APR for 12 months mean? 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.†
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Do I have to be a Listerhill member to apply? You can apply as a current member or become a member during the application process if you meet eligibility and credit requirements.†
‡
APR = Annual Percentage Rate. All programs, rates, terms, and conditions for Listerhill Credit Union Visa Signature® Rewards, Keystone Signature® Rewards, Visa Platinum®, and Keystone Platinum® credit cards are subject to change without notice. Subject to credit approval and membership eligibility requirements. Qualification is based on an assessment of individual creditworthiness and underwriting standards. Rates and credit limits may vary based on each individual borrower’s credit history and other underwriting factors.
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Visa Signature® Rewards and Keystone Signature® Rewards credit cards have a minimum credit limit of $5,000. Cash back rewards of 2% do not apply to balance transfers or cash advances. Additional restrictions and limitations may apply.
†
0% Introductory APR applies to qualifying purchases made with Listerhill Credit Union Visa Signature® Rewards, Keystone Signature® Rewards, Visa Platinum®, and Keystone Platinum® credit cards opened between 5/15/2026 and 12/11/2026. The introductory APR will apply for the first 12 billing cycles (approximately 12 months) from the account open date.
After the introductory period ends, a Non-Variable APR between 12.99% and 17.99% will apply, based on creditworthiness and other factors.
Qualifying purchases exclude balance transfers, cash advances, checks that access your account, fees assessed by Listerhill Credit Union, quasi-cash items (e.g., casino chips), cash equivalents (e.g., money orders), and purchases made using a Personal Identification Number (PIN).
Offer subject to credit approval and membership eligibility. Additional terms and conditions may apply. Federally insured by NCUA.