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FAIRWINDS Business Rewards Visa® Credit Card

Earn UNLIMITED rewards points to redeem for gift cards, merchandise, travel, and more.

Card Features
    • 10,000 points bonus after you spend $3,000 in the first three months your card is open
    • 1 point for every $1 purchase
    • 2 points for every $1 gas, restaurant, and office supply purchase
    • Points do not expire
    • No annual fee
    • 0.00% introductory APR for the first 6 months on purchases; after that, enjoy low rates ranging from 13.24% - 18.00% APR based on creditworthiness
    • No balance transfer fee
    • Additional employee cards with individual spending limits
    • Rates and Terms

    FAIRWINDS Business Cash Visa® Credit Card

    Earn UNLIMITED cash rewards on your everyday business purchases.

    Card Features
    • 1.00% cash rewards for every $1 purchase
    • 2.00% cash rewards on gas, restaurant, and office supplies
    • No annual fee
    • 0.00% introductory APR for the first 6 months on purchases; after that, enjoy low rates ranging from 13.24% - 18.00% APR based on creditworthiness
    • Additional employee cards with individual spending limits
    • No balance transfer fee
    • Rates and Terms

    APR = Annual Percentage Rate

    FAIRWINDS Business Rewards Visa®Apply FAIRWINDS Business Cash Visa®Apply

    Which card is right for you?

    Earn UNLIMITED points for travel, merchandise, and gift cards.

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    Earn UNLIMITED cash rewards on daily purchases.

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    0.00% Introductory Rate* on Purchases

    * *

    No annual fee

    * *

    Cash Rewards

      *

    Rewards Points

    *  

    Redemption

    On-demand redemption through FAIRWINDS Online Automatic quarterly statement credit

    Additional Employee Cards with Individual Spending Limits

    * *

    Monthly and Annual Business Expense Statements

    * *

    Grace Period

    Due date is at least 25 days after the close of each billing cycle.

    Travel and Emergency Assistance

    * *

    Purchase Security and Extended Protection

    * *

    Warranty Manager Service

    * *

    Fraud Protection with Visa's Zero Liability Policy™**

    * *

    Auto Rental Collision Damage Waiver Program

    * *

    Roadside Dispatch

    * *

    APR = Annual Percentage Rate

    *0.00% introductory rate on purchases and balance transfers is valid for the first 12 months from date of account opening. After that, enjoy a low variable APR ranging from 13.24% to 18.00% based on your creditworthiness and type of card selected. This APR will vary with the market based on the Prime Rate.

    **Visa's Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit http://www.visa.com/security.

    FAIRWINDS Business Rewards Visa® Credit Card

    Earn 1 point per every $1 spent, with no earning limit and no expiration.
    Earn 2 points for every restaurant, gas, and office supply store purchase with no limit.
    Earn 10,000 bonus points after you spend $3,000 in the first 3 months

    FAIRWINDS Business Cash Visa® Credit Card

    Earn 1% per every $1 spent, with no limit.
    Earn 2% for every restaurant, gas, and office supply store purchase with no limit.

    FAIRWINDS Business Rewards Visa® Credit Card

    Card Rewards program for travel, merchandise, and entertainment rewards.

    Come see what we have in store for you.

    Auto Rental Collision Damage Waiver (ARCDW) Program This program offers free additional protection for vehicle rentals made with your Visa® card. ARCDW reimburses you for damage due to collision or theft up to the actual cash value of most rental vehicles. Learn more

    Travel and Emergency Assistance Visa® Travel and Emergency Assistance Services will put you in touch with the appropriate emergency services should the need arise. Benefits include: emergency messages to your family and business associates, referral services for medical, legal and transportation needs, and ticket, transportation, and luggage location assistance. Learn more

    Purchase Security Within the first ninety (90) days of purchase, Purchase Security will, at the Benefit Administrator's discretion, replace, repair, or reimburse you for eligible items of personal property purchased entirely with your eligible Visa Business card up to a maximum of ten thousand dollars ($10,000.00) per claim and fifty thousand dollars ($50,000.00) per cardholder in the event of theft or damage.

    Extended Protection Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to one (1) additional year on warranties of three (3) years or less up to a maximum of ten thousand dollars ($10,000.00) per claim. Learn more

    Warranty Manager Service Warranty Manager Service offers you a number of valuable features, including warranty registration and Extended Warranty Protection, all available with a simple toll-free telephone call. And with our Visa® Performance Guarantee you have the option of purchasing affordable Extended Service Agreements. Learn more

    Roadside Dispatch Roadside Dispatch® is a pay-per-use roadside assistance program provided expressly for Visa® cardholders. The program provides you with security and convenience wherever your travels take you. No membership required or pre-enrollment is required. No annual dues. No limit on usage. Learn more

    Zero Liability Your peace of mind and protection are paramount to us. Visa’s® Zero Liability policy is our guarantee that you won’t be held responsible for fraudulent charges made with your card or account information. Learn more

    FAIRWINDS Business Rewards Visa®Apply FAIRWINDS Business Cash Visa®Apply

    Interest Rates and Interest Charges

    ANNUAL PERCENTAGE RATE (APR) for Purchases

    0.00% introductory APR for the first 6 months on purchases from date of account opening.


    After that, your APR will be 13.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

    0.00% introductory APR for the first 6 months on purchases from date of account opening.


    After that, your APR will be 13.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

    APR for Balance Transfers

    13.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

    13.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

    APR for Cash Advances

    18.00% This APR will vary with the market based on the Prime Rate.

    APR for Non-Performance

    18.00% This APR will vary with the market based on the Prime Rate.

    How to Avoid Paying Interest on Purchases

    Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

    Minimum Interest Charge

    None

    For Credit Card Tips from the Consumer Financial Protection Bureau

    To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

    Fees

    Annual Fees

    None

    Transaction Fees

     

    - Cash Advance

    4.00% of the amount each cash advance, $10 minimum

    - Balance Transfer

    None

    - Foreign Transaction

    3.00% of each transaction in U.S. dollars.

    Miscellaneous Fees

     

    - Late Payment

    $39

    - Over-the-Credit Limit

    $39

    - Returned Payment

    $30

    How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."

    Loss of Introductory APR: We may end your introductory APR if you make a late payment.

    (1) Your APR for purchases and balance transfers will equal the sum of the Prime Rate as listed in the Money Rates Section of the Eastern edition of The Wall Street Journal on the last business day of each month, plus a margin based upon the cumulative credit history. Changes in the Prime Rate will cause changes in the APR. Changes in the APR as the result of changes in the Prime Rate will be effective on the first day of the next month following one full billing cycle after any change in the Prime Rate. In addition, a margin based upon the cumulative credit history of each Business Person in that, 60 days prior to the stated expiration of the card(s), a review of your account and the credit history of each Business Person will be conducted. We will adjust the APR based upon the lowest Fico credit score of the Fico scores applicable to the Business Persons, as determined and published by Equifax Credit Information Services, Inc. (www.equifax.com). Most recent Fico scores on file as of the review date will be used.

    (2) Your APR for cash advances and the non-performance (penalty) APR will equal the sum of the Prime Rate, plus 17.99%, subject to a maximum of the greater of 18.00% APR or the highest APR then permitted by applicable law.

    (3) Non-Performance (Penalty) APR: If your Account becomes thirty (30) or more days past due two (2) or more times in a six (6) month period, OR your account becomes sixty (60) days past due, FINANCE CHARGES on your entire balance will be calculated at the Non-Performance (Penalty) APR of the Prime Rate plus 17.99%, subject to a maximum of the greater of 18.00% APR or the highest APR then permitted by applicable law. When you have made six (6) consecutive monthly payments of not less than the required Minimum Payment on or before your monthly due date, your APR will revert to your current available variable APR.

    Rates shown in ANNUAL PERCENTAGE RATE above accurate as of 3/01/2015. The information may have changed after that date. To find out what may have changed, call us at 407.277.5045 or write us at 3075 N. Alafaya Trail, Orlando, FL 32826. All rates are subject to a maximum of the greater of 18.00% APR or the highest APR then permitted by applicable law.