Determine whether you prefer cash back, travel points, or other reward types. Then, explore how and when reward points accumulate, if there are spending caps, and how easy it is to redeem your rewards. Financial institutions like credit unions tend to offer great rewards credit cards.

Carefully review rewards programs, like cash back or travel miles, when comparing credit cards. Also, consider the rewards rate, interest rates, annual fees, and any additional benefits the card includes.

Our credit cards reward you for making purchases. They feature competitive interest rates and fewer fees than traditional banks. Members benefit from personalized customer service. We work closely with you to understand your financial situation and needs.

If you had merchandise points earned from previous Listerhill Visa® credit card products or promotions, your points have been converted to cash back rewards (as of 09/01/2022). Through Online Banking, you may access cashbackmall to access and redeem your cash back rewards.

Cash back rewards are available for Visa® Signature Rewards and Keystone Signature credit cards. If you have either of these cards, you are eligible for cash back rewards.

Cash back rewards on applicable Listerhill Visa® credit cards are calculated at 2% on every purchase. Cash advances and balance transfers are not eligible and do not earn cash back rewards.

Cash back rewards are not transferrable. They may be redeemed and transferred between accounts through Online Banking.

Log into Online Banking and click the Get Info link to the right of your card information. This will take you to our card servicing site.

• 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 whether you would like to receive a statement credit or deposit cash back into your Listerhill account.*

*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 into a cardholder's Listerhill account. From there, it can be applied as a payment toward your minimum due obligation.

Our Visa® Signature Rewards cash back credit card gives you a flat rate of 2% 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.

To get answers to your questions about the app, you can give one of our customer service representatives a call at 800-239-6033

You can download the app from the Apple App Store or Google Play store. When opening the app, you will be prompted to create your username and password. Once created simply login. Easy!

You may also enable additional authentication and steps for enhanced security.

When you provide information during registration, we verify your identity to validate your account. We only store your security question, security answer, user ID, and password in our system.

Our app supports all of the major US wireless phone carriers, including Sprint, T-Mobile, and Verizon.

We do not charge a fee to use the app, though keep in mind that you might be responsible for charges associated with your phone data usage.

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.

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 Visa® 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.

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 Visa® 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.

To open your credit card, you can apply online or give us a call at 256-383-9204 or 1-800-239-6033 to speak with a Listerhill team member.

Your interest rate will be determined after you submit your application. Many factors, including your credit score, help to assess your interest rate.

Credit card companies can offer cash back because merchants that accept payments via credit card have to pay a percentage of the transaction fee to the credit card company. In this case, the credit card company can decide to share the merchant fee with you in the form of a cash back offer.

Our Signature Rewards and Keystone Signature cash back credit cards gives you a flat rate of 2% cash 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.

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.

Once your card is entered into the app, you can tap on the card image to view transactions.

No, but you can view pending or posted transactions on your debit card through the app. You can find your checking account balance through Online Banking or through the Listerhill app.

Swipe left to enter a new card once you have entered your first card.

Tap on the top right of the card image (Card Settings). There, you can set a card nickname, make the card your default card, or choose to remove the card.

Please call 256-383-9204 or 1-800-239-6033 to speak with a Listerhill support team member. You can also chat with us on our website during service hours (Monday-Friday; 9AM-5PM).
 

Not only do we offer competitive rates with no annual fee, but we also provide several tools to help you get the most benefits from your Listerhill credit card. Click here to see a full list.

(Need to review the card agreement? Click here to review our Consumer Credit Card Agreement and Disclosure.)

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.

You can begin redeeming cash rewards as soon as your rewards balance exceeds $5. You have the option to apply the balance as a statement credit or have the amount deposited into your Listerhill Share Savings account.

If you are already signed up for Online Banking but have not added your credit card, log in to your account and click the Services & Settings link (gear symbol) at the top right of the page.

Then, under Online Accounts, click Add Account. Enter your card number, add a nickname, and select Credit Card under Account Type. Finally, hit Add Account(s).

It should take no longer than one (1) business day for your new card to appear in Online Banking. 

Once your card appears in Online Banking in the All Accounts / Money I Owe section, click on the account and click Get Info. This will take you to the Account Home for your card.

Here, you can sign up for eStatements, make a payment on your credit card, view your transactions, and more. To set transaction alerts, enable travel notifications, or report a lost or stolen card, please use the LCU Cards app.

From Account Home, click the Rewards link on the right to review your cash rewards. Then click on the cashbackmall link to go directly to the site where you can choose how you wish to redeem your cash rewards.

Report a lost or stolen Listerhill debit card or credit card by calling 1-888-918-7819. Or, if your debit card or credit card is loaded in the Listerhill Cards App, please tap on the card and choose the Lost or Stolen option.

To ensure that your debit or credit card will not be flagged while traveling, call 256-383-9204 or 1-800-239-6033 and let one of our contact center representatives know where you will be traveling to and how long your trip will be.

To make a payment from a different financial institution, you can log into Online Banking, use our credit card mobile app, or call the Contact Center to make a payment for a credit card bill or loan.