Our credit cards are designed to be payment tools — not debt traps.
Earn rewards and enjoy perks while staying in control of your money.

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.
Never Pay Interest
Always pay off your balance monthly and enjoy the card benefits without the burden of debt.
Accepted Everywhere
Use your card with confidence wherever life takes you — with worldwide acceptance and security.
Safe & Simple
Mobile payments, account alerts, and built-in protections make every purchase easy and secure.
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.

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® Credit Card
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
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.