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Limited Time Offer*

Earn 5% cash back on the first $1,500 in gas purchases and the first $3,500 in grocery purchases in the first 90 days your card is open.

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Cash Back Visa® Credit Card

APR ranging from 13.99% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.

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  • 1.5% cash back on all purchases
  • 0.00% introductory rate on purchases and balance transfers for the first 12 months after account opening. After that, your rate will be a low variable APR ranging from 13.99% - 18.00% based on your creditworthiness.
  • No annual fee
  • No balance transfer fees.
  • No foreign transaction fees.
  • Mobile wallet solutions for Apple Pay, Samsung Pay, and Google Pay
  • Receive your cash back 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 for $15

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

Cash Back Visa® Credit Card

Average Member Rating 4.8

Read all 688 reviews

Additional FAIRWINDS Cash Back Visa Card features include...

Within the first ninety (90) days of the date of purchase, Purchase Security will replace, repair, or reimburse you for eligible items of personal property purchased entirely with your eligible Visa card up to a maximum of $500 per claim and $50,000 per cardholder. It covers purchases and gifts in the event of theft, damage due to fire, vandalism, accidentally discharged water, or certain weather conditions.
Purchase Security Program Details (PDF)
Enroll your FAIRWINDS Visa ® Cash Back Credit Card to get one month of free Shipt membership, then three months of membership at 50% off, with free delivery on orders $35 or more.*

*Free delivery applies to orders over $35 as part of a Shipt membership.

Certain terms, conditions, and exclusions apply.

To see a full list of Offer Terms Shipt Details
Use your FAIRWINDS Visa® Cash Back Credit Card to receive access to the exclusive 7-day advance presale window for select Sofar shows, plus one free ticket per show, twice per year, with the purchase of one or more tickets within the presale window.

To see a full list of Offer Terms Sofar Sounds Details
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. With qualifying cards you and your family members can receive accident insurance coverage while traveling and lost luggage reimbursement.
Travel and Emergency Assistance Details (PDF)
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.
Warranty Manager Service Details (PDF)
Enjoy an extra layer of protection with instant alerts! Receive up-to-date, customizable alerts via email or text message on all the latest happenings with your credit card account including transactions and purchases, payment reminders, and credit limit notifications.
No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind. ID Navigator Powered by NortonLifeLock helps provide you with tools so you can act quickly.

To confirm eligibility, visit
With our online self-service tools, you can transfer balances, request a replacement card, and dispute a transaction.
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.
Roadside Dispatch Details (PDF)
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.
Zero Liability Details (PDF)

*Existing cardholders will automatically earn 5% cash back on gas and grocery purchases beginning 11.1.2022 through 1.31.2023. New cardholders that open an account beginning 11.1.2022 through 1.31.2023 will earn 5% cash back during the first 90 days the account is open. FAIRWINDS will issue an additional 3.5% per dollar over the normal 1.5% cash back for a total of 5% cash back up to $1,500 in total gas purchases and up to $3,500 in total grocery purchases. The additional amount of bonus cash back that can be earned during the promotional period is $175. In order to qualify, purchases must be made only at gas pumps and grocery stores during the promotional period. All other purchases, including those made at wholesale clubs, do not qualify for the promotional offer. Ineligible purchases include, but are not limited to, items returned for credit, unauthorized charges, and account fees. The account must be open and active for the duration of the promotional period. This promotional offer is subject to change at any time.

FAIRWINDS Member Reviews

Cash Back Visa® Credit Card> is rated 4.8 out of 5 by 688.
Rated 2 out of 5 by from Disappointed We just received and started using the credit card for about a month now, and are now being questioned on every purchase we make. We understand security but this is a bit much and to have our cards denied a month out of the gate is crazy. We were only trying to pay for parking luckily we had another credit card to use let alone holding everyone else up behind us.
Date published: 2023-01-01
Rated 5 out of 5 by from Great Service Very pleasant customer service and courteous service.
Date published: 2022-12-27
Rated 5 out of 5 by from Great customer service experienc I should have done this long time ago. ( joined up)
Date published: 2022-12-22
Rated 5 out of 5 by from So happy to have Fairwinds as a 12 year member all I can say is thanks, especially to Ryan!
Date published: 2022-12-12
Rated 5 out of 5 by from Great credit union I have been a valuable member of Fairwinds for a ver 15 years and I am very blessed to be here
Date published: 2022-11-28
Rated 5 out of 5 by from Great value & services Member for many years and I love the customer services they provide to all customers!
Date published: 2022-10-15
Rated 5 out of 5 by from Great! Excellent service and time to answer all my questions.
Date published: 2022-10-05
Rated 5 out of 5 by from Easy piece Bank support was phenomenal. I barely had to do a thing.
Date published: 2022-08-24
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