Cash Back Visa® Credit Card
APR ranging from 10.24% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
Start ApplicationFeatures
- 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 10.24% - 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.
Average Member Rating 4.7
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)
Purchase Security Program Details (PDF)
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)
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)
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.
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)
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)
Zero Liability Details (PDF)
FAIRWINDS Member Reviews
Cash Rewards Visa® Credit Card is rated
out of
5 by
626.
Rated 2 out of
5
by
Boze from
Long process
When our one credit card was compromised and it took 6 days to issue a new card, we decided to apply for a credit card from another bank. Since I had FOUR accounts at FAIRWINDS, I applied for a card there,ONLINE. My first correspondence from FAIRWINDS,came from the Oviedo Loan Dept. They wanted paycheck stubs. Since I did not want a loan and I had over $100,000 in deposits in FAIRWINDS, I could not understand this. I later talked to another LOAN officer who said it didn’t matter how much money I had in the bank, I had to tell them about the $1100 a month I make in Social Security NEVER AGAIN
Date published: 2021-03-01
Rated 5 out of
5
by
Rhena from
Very easy process and no hassle!
I applied and was approved with no hassle. This is my first major credit card and the process was so easy i was amazed. I really loving this card!
Date published: 2020-08-13
Rated 5 out of
5
by
Leethiele57 from
Great value
I have been a member of Fairwinds for several years.
Everyone is very helpful
Date published: 2020-07-25
Rated 5 out of
5
by
Pablo from
Number one Credit Union !!
Great product ! Priceless !! Best credit Union !!!
Date published: 2020-06-26
Rated 4 out of
5
by
Yvonne Claire from
Good product
I m using this to consolidate high interest credit cards. I like being able to pay it off within a year and avoid any interest at all. Thank you.
Date published: 2020-05-17
Rated 5 out of
5
by
Amy05 from
very good
Ever since i became a member i am very happpy with this company
Date published: 2020-04-28
Rated 5 out of
5
by
Yacotubia from
It's a good value.
We've been a Fairwinds customer for many years and have always been pleased with your service.
Date published: 2020-04-09
Rated 5 out of
5
by
Lynmarch from
Fairwinds is great!
Ever since I opened an account with Fairwinds I feel as if I gained new friends.
Date published: 2020-04-02