Keystone Platinum Credit Card

Visa® Platinum Credit Card

Low Rates. No Surprises. Local Service.

Looking for a credit card that keeps things simple? The Keystone Platinum Credit Card* delivers competitive low rates, no annual fees, and the trusted local service you expect from Listerhill. It’s the smart choice for members who want straightforward credit without the extras—perfect for balance transfers, building credit, or keeping costs down.

As low as

12.99%

APR*

Annual Fee

No Fee

for Balance Transfers

*Visa® 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.

Get a fixed rate as low as 12.99%.

And not just for the first year. $0 every year.

Transfer your balance from another card at no charge.

Get cash from your card at an ATM or in a branch for no additional charge.

Listerhill Visa®credit card holders enjoy a waived monthly maintenance fee while their Listerhill credit card is open. See Rate and Fee Schedule for full disclosure of fees and terms.

Use your card to book travel and protect your trip.

Rent a vehicle with your card and you automatically receive free Automotive Rental Collision Insurance.

Add your card to your digital wallet instantly - no typing needed. With Tap-to-Add, simply tap your chip‑enabled debit or credit card to your device and it’s added automatically.

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

Manage your card with our new, redesigned credit card mobile app, LCU Cards.

Stay on top of your credit card spending by text or email with Visa® Alerts. Monitor your balance, track spending, and more.

Pay on any website that accepts Visa® Checkout — no need to re-enter checkout information — and still receive the rewards from your card that you deserve.

Learn More

Visa® Secure helps ensure that payments are made by the rightful owner of the Visa® account, to make online purchases more secure.

Learn More

Competitive Rates

Get a fixed rate as low as 12.99%.

No Annual Fee

And not just for the first year. $0 every year.

No Balance Transfer Fee

Transfer your balance from another card at no charge.

No Fee for Cash Advance

Get cash from your card at an ATM or in a branch for no additional charge.

Waived Monthly Maintenance Fee

Listerhill Visa®credit card holders enjoy a waived monthly maintenance fee while their Listerhill credit card is open. See Rate and Fee Schedule for full disclosure of fees and terms.

Free Travel Insurance

Use your card to book travel and protect your trip.

Free Rental Insurance

Rent a vehicle with your card and you automatically receive free Automotive Rental Collision Insurance.

Tap-to-Add

Add your card to your digital wallet instantly - no typing needed. With Tap-to-Add, simply tap your chip‑enabled debit or credit card to your device and it’s added automatically.

Tap-to-Pay

Mobile App

Manage your card with our new, redesigned credit card mobile app, LCU Cards.

Visa® Alerts

Stay on top of your credit card spending by text or email with Visa® Alerts. Monitor your balance, track spending, and more.

Visa® Checkout

Pay on any website that accepts Visa® Checkout — no need to re-enter checkout information — and still receive the rewards from your card that you deserve.

Learn More

Visa® Secure

Visa® Secure helps ensure that payments are made by the rightful owner of the Visa® account, to make online purchases more secure.

Learn More

Apply now to start earning!

Our Visa^®Platinum Credit Card is the tried-and-true option for anyone looking for great benefits and no surprises. Are you ready to experience the benefits of our staple credit card?

All Credit Card Options

Learn more about all of our currently offered credit cards and their features.

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Credit Card Payoff Calculator

Use this nifty calculator to see how long it will take to pay off your credit card balance.

Learn More

Financial Wellness Resources

See all of the resources we offer to help you with your financial fitness.

Learn More

See How Our Keystone Cards Make a Difference

Learn how Listerhill Keystone Cards give you more from every purchase. From cashback rewards to low-rate flexibility and everyday convenience, these cards work harder for you - and for the University of North Alabama.

See How Our Keystone Cards Make a Difference

Frequently Asked Questions

Need assistance? Check out our Help Center for frequently asked questions and contact details to get the help you need!

Help Center

What are the benefits of choosing a credit union's credit card compared to others?

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.

How can I compare credit card offers before making a decision?

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.

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 open my credit 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.

How do I know if my card is contactless?

If your Visa® card features the contactless symbol, you can use it to tap to pay where you see the contactless symbol.

How do I report a lost or stolen debit or credit card?

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.

How do I set up the LCU Cards app?

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.

Powerful features at your fingertips

Join us and experience banking that’s designed for you.

Powerful features at your fingertips

Join us and experience banking that’s designed for you.

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Low Rates. No Surprises. Local Service.

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