Our credit cards are designed to be payment tools — not debt traps.

Earn rewards and enjoy perks while staying in control of your money.

Women Hanging Out

Designed for Debt-Free Living

Our credit cards are built for people who refuse to carry debt. Use them only as a safe and convenient way to pay — while keeping your balance paid in full every month.

Shooting Star Icon

Never Pay Interest

Always pay off your balance monthly and enjoy the card benefits without the burden of debt.

Globe Icon

Accepted Everywhere

Use your card with confidence wherever life takes you — with worldwide acceptance and security.

Sailboat Icon

Safe & Simple

Mobile payments, account alerts, and built-in protections make every purchase easy and secure.

Smiling man wearing a plaid jacket and baseball cap hiking outdoors with a backpack, walking along a sunlit trail surrounded by trees in early autumn.

We know it sounds crazy, but we don’t want you stuck in debt.

At FAIRWINDS, we believe financial freedom means living life without the weight of debt. That’s why our credit cards are designed to be payment tools — not traps for interest.

Used wisely, a FAIRWINDS Visa® Credit Card makes spending secure and rewarding. But here’s the key: credit cards work best when you pay them off in full each month. If that’s not possible, we recommend using your FAIRWINDS debit card instead.

Because true financial freedom means being in control — not paying interest.

Two Cards. One Goal: Freedom.

Whether you want cash back or travel rewards, both cards are built to help you pay with ease and stay debt-free.

Visa Signature®
Preferred Cash Back Visa® Signature

Visa Signature® Credit Card

Learn More Chevron Right Icon

Rewards

Earn 5X points on theme park tickets, 5X points on travel, 3X points on dining, and 2X points on all other purchases.

Receive VIP access to events, exclusive shopping, dining, and travel offers with 24-hour Visa Signature Concierge Service.

Welcome Offer

Earn 60,000 bonus points

when you spend $5,000 in the first three months from opening. That's a $900 travel value.

APR*

...

Annual Fee

$95

No Balance Transfer Fees

No Balance Transfer Fees

No Foreign Transaction Fees

Mobile Wallet for Apple, Samsung, and Google Pay

Preferred Cash Back Visa® Credit Card

Learn More Chevron Right Icon

Rewards

1.5% unlimited cash back on all of your purchases.

Welcome Offer

Special introductory rate of 0% on purchases and balance transfers for the first 12 months after account opening. After 12 months, your variable APR will range from ... - 18.00% based on your creditworthiness.

APR*

...

- 18.00% APR after the intro APR expires

Annual Fee

$0

No Balance Transfer Fees

No Foreign Transaction Fees

Mobile Wallet for Apple, Samsung, and Google Pay

Smart Habits. Real Rewards.

Pay Off Your Balance Monthly

Avoid interest and stay out of debt by paying your statement balance in full every month. It's the simplest way to protect your budget and keep your money working for you.

Use it for Budgeted Purchases

Stick to your plan. Only use the card for expenses you've already budgeted — like groceries, gas, bills, and essentials.

Automate Your Payment

Set up autopay so you never risk missing a due date and never pay interest.

Treat Your Card Like It's Debit

Skip impulse purchases by treating your card like it's coming straight from your checking account. If it’s not in your budget, it’s not on your card.

Stay Focused on the Goal

Rewards are just a bonus. The real win is paying in full every month and staying debt-free.

Monitor Your Spending

Stay on track with mobile alerts and FAIRWINDS budgeting tools. Don’t swipe without a plan.

Footnotes

    * APR = Annual Percentage Rate

    ** This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations, and financial situation. This service shall not infer that the company or its affiliates and email service provider, DocuMatix, LLC, assumes any fiduciary duties. In addition, such service should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable, but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results. Use of service is provided without warranty of any kind, either express, implied or statutory, including FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, AND ACCURACY. Use of service is entirely at the users' own risk, and users should seek professional financial and legal advice without reliance on service. Provider and email service provider shall not be liable for any lost profits, lost business, direct or indirect, punitive or consequential damages, or damages of any kind arising out of service use. This agreement shall be governed and enforced by Utah law, with courts located in Salt Lake County, Utah the sole and exclusive venue. User agrees to indemnify and hold harmless the company, email service provider, and affiliates from any and all liabilities and costs (including attorney fees) for any improper use or violation of these terms.

    Routing Number ⑆ 263181368