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Get cash rewards with every purchase.

Need to stock the pantry? Gas tank on empty? Now you can earn cash rewards on every purchase. Running your errands has never been so rewarding!

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Cash Rewards Visa® Credit Card

APR ranging from 10.74% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.

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  • 1.00% cash rewards on the first $10,000 in purchases annually
  • 1.25% cash rewards on all additional purchases annually
  • 2.00% cash rewards on gas and groceries
  • 0.00% introductory rate on purchases and balance transfers for the first 12 months after account opening. After that, enjoy a low variable APR ranging from 10.74% - 18.00% based on your creditworthiness
  • No annual fee
  • Mobile wallet solutions for Apple Pay, Samsung Pay, and Android Pay
  • Receive your cash rewards on-demand, when you want them, through a statement credit or a direct deposit to a FAIRWINDS account of your choice.
  • Personalize your card with your own custom image (Coming soon)

See Card Agreement and Disclosures and Pricing and Terms for details.

Average Member Rating 4.7

Read all 333 reviews

Not only do you get a great rate, but you'll continue to receive cash back on your purchases. See how much you can earn.

Cash Rewards Credit Card

Earn UNLIMITED cash rewards with every purchase!

On average, I spend:


*1.00% cash rewards on the first $10,000 in purchases annually and 1.25% on all additional purchases annually.

Projected annual cash rewards:

This calculator is for illustrative purposes only and is not a guarantee of credit. This service shall not infer that FAIRWINDS 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. Use of service is provided without warranty of any kind, either express, implied or statutory, including its accuracy.

Additional FAIRWINDS Cash Rewards Visa Card features include...

FAIRWINDS Member Reviews

Cash Rewards Visa® is rated 4.7 out of 5 by 333.
Rated 5 out of 5 by from Highly recommend!!! I became a member of Fairwinds Credit Union last month when I moved to Florida and have had the best experience with them. I have visited three different branches and have been treated very well at each place. The staff are incredible. I opened a savings account, checking account and a rewards credit card and I am very happy with all three accounts. There are many branches all around for convenience. If I had anything negative at all to say about Fairwinds, it would be that I wish they had drive up ATMs because I would love to be able to bank from my car when it's raining and I miss that feature from my credit union in my previous state. Overall, I highly recommend Fairwinds!
Date published: 2016-09-22
Rated 5 out of 5 by from Exceptional customer service! I came into Fairwinds wanting to refinance my car. Bonnie took care of me and helped me through the process. While we were waiting for my approval, she took the time to introduce me to this credit card. One of the reasons I decided to take this card was because my current credit cards interest was sky high. This card is interest free for a whole year, which is more than enough time to pay it off. We transfered my balance and now I am worry free! Bonnie is such an amazing person that truly cares about her members and introduces new products only for their benefit. I will not bank with anyone else!
Date published: 2016-02-26
Rated 5 out of 5 by from Cash rewards visa The cash rewards visa was recommended at our branch by Murphy. Recently I had an identy theft occur by using a card reader at a gas pump.Visa not only stopped the thief from future transaction of my debit card but also co tasted me to let me know of the occurrence and refunded me the amount. The cash rewards Visa will.provide me with extra protection because it is not like med to my other accounts and uses a chip to send a signal to the new credit card processors so there is less more need for swiping the card. This will help.prevent future Identity theft. Thank you
Date published: 2015-10-23
Rated 4 out of 5 by from Works Like Any Other Credit Card To be honest, there's not much to say about this credit card. VISA is a great credit card merchant to work with. It's pretty much accepted everywhere except for paying tuition, parking passes, etc. at my college. The percentage of cash rewards you get back from qualified purchases isn't very much; however, it is better than most cards out there. You don't get to select a design for this credit card and you have to transfer/ "move" your money from your checking account to pay off the balance on this "loan." I don't use this card very much compared to my other credit card which gave me a higher credit line and a much higher cashback percentage. Unless a merchant doesn't accept my other card, I will use this card as back up.
Date published: 2016-01-13
Rated 5 out of 5 by from Great experience and value. I have been in the Fairwinds family for many many years ..loving it. I opened a Visa account to transfer money from a high percentage interest fee quick and with no hassle. I presently live in New Smyrna Beach and although I don't have a branch near me...when I have to deposit some extra cash quickly, Fairwinds has an atrangment with another Credit Union down the street from my house which I can deposit cash money and immediately I can see it in my Fairwinds account. The other benefit I love is being able to withdraw money In all Publix stores without a fee.
Date published: 2016-05-22
Rated 5 out of 5 by from the beginning I just became a member in November. I really did not know the difference between a regular bank and establishment that dealt with me in a very respectful way and took the time to help me. I literally put them to the test. I joined Chase Bank and Fairwinds at the same time. Long story short Fairwinds did NOT FAIL ME AS CHASE DID,NEEDLESS TO SAY I DROPPED CHASE AND I LOOK FORWARD TO A LONG RELATIONSHIP WITH FAIRWINDS I EVEN HAD MY CHILDREN JOIN AND SEVERAL OF MY FRIENDS.
Date published: 2016-01-14
Rated 5 out of 5 by from Great value! I have been a member of Fairwinds for several years and recently went into my local branch to re-finance my vehicle. I was pleased to get a lower interest rate than what I was paying on my current car loan and my loan officer asked if I would be interested in opening a credit account which also was a much lower rate than my current credit card and the best part is it is a reward card as well! Over all Fairwinds offers a great value compared to other loans!
Date published: 2016-12-11
Rated 5 out of 5 by from Great Incentive I was offered the card when I came in to report fraud on my debit card. After very courteous and understanding service I agreed with the stipulation that I would not have exorbitant interest and membership fees. I advised I had security feature on my social security number so it may not allow me to be approved and they helped me without having to go through hoops. So far I have received my incentive as promised and I am extremely happy with my card.
Date published: 2016-01-25
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