Cash Rewards Visa® Credit Card
APR ranging from 12.49% - 18.00%, based on your creditworthiness and will vary with the market based on the Prime Rate.
Start ApplicationFeatures
- 1.5% cash rewards on all purchases
- 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 12.49% - 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 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 for $15
See Card Agreement and Disclosures and Pricing and Terms for details.
Average Member Rating 4.7
Additional FAIRWINDS Cash Rewards 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 e-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.
This program offers free additional protection for vehicle rentals made with your Visa card. ARCDW reimburses you for damage due to collision or theft up to the actual cash value of most rental vehicles.
Auto Rental Collision Damage Waiver (ARCDW) Program Details (PDF)
Auto Rental Collision Damage Waiver (ARCDW) Program Details (PDF)
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
550.
Rated 5 out of
5
by
Blaze1330 from
Great card
I transferred my high interest credit card to this one that is a wonderful card. I have been with Fairwinds for about 15 years and I am very happy with their service.
Date published: 2019-02-06
Rated 5 out of
5
by
golfer from
Good card
Wanted a card from local close to me. With good sevice.
Date published: 2019-01-30
Rated 5 out of
5
by
Travoris from
Great Service
My experience was quick and easy. Xavier was very knowledgable of the product, followed up often to ensure I knew what was going on with the approval process.
Date published: 2019-01-21
Rated 5 out of
5
by
Señor Sway from
Great customer service as always
Everyone at UCF Fairwinds always go above and beyond to assist me. Because of this they now hold my mortgage, car note, checking/savings and now the rewards credit card. That rare company that truly cares.
Date published: 2019-01-20
Rated 5 out of
5
by
Booski from
Great value!
I have been a member of Fairwinds for a couple of years now but just got a credit card with them. They are very fair and easy to work with. I love this card for the low apr and no annual fee (plus rewards!). Overall, I've had a great experience!
Date published: 2019-01-20
Rated 1 out of
5
by
GinaP from
Clunky, slow process
If it weren't for the incredible interest rates I wouldn't have gotten this card. The cash back rate isn't very unique compared to other financials and credit cards I have. I plan to use it as a back up/emergency card since I don't tend to carry a balance month to month. Good thing I didn't need it right away! My card took 3 weeks to arrive.
Date published: 2019-01-19
Rated 5 out of
5
by
Eddie speggetti from
I am so happy to be with fairwin
I have been a member of Fairwinds Credit Union for many years they offer exceptional service unlike a Traditional Bank which Fairwinds is not it's a credit union and I'm glad to be a member
Date published: 2019-01-17
Rated 3 out of
5
by
LWG from
Other Cards Have Better Cash Rew
After many years as a Fairwinds member I finally got one of their cards. I've had no problems, but have learned that other cards have higher cash rewards.
Date published: 2019-01-17