Visa Signature® Credit Card
The best trips are the ones you budgeted for. The best credit card is the one you never carry a balance on.
As seen in WalletHub® — Best Credit Union Credit Cards
A Payment Tool, Not a Souvenir
Book flights, hotels, and experiences. Then pay your balance in full so the memories last — not the payments.
5X Points
Per every $1 on travel and theme park tickets.
3X Points
Per every $1 on dining.
2X Points
Per every $1 on all other purchases.
For Travelers Who Choose Freedom Over Payments
The FAIRWINDS Visa Signature® Credit Card is built for members who see their card as a tool, not a ticket to debt. It’s the right fit for those who:
Travel Smart — and want a stress-free card with global perks and protections that make every trip smoother.
Value Clarity — with no hidden fees, no gimmicks, and no confusing fine print.
Pay in Full — because they know financial freedom means enjoying the adventure without dragging debt home.
The Value Behind Every Swipe
Earn and Redeem
Receive a welcome bonus of 60,000 points when you spend $5,000 in the first three months from account opening, a $900 travel value.
Every purchase you plan and pay off in full earns unlimited rewards that never expire.
Redeem points for travel, dining, entertainment, gift cards, and more.
50% more value on points redeemed for travel — stretching your budget even further.
Premium Savings
Visa Signature® Credit Card members also have exclusive access to exceptional savings, including:
Additional 0.10% APY toward your Signature Savings.
0.25% rate bump on a FAIRWINDS Certificate of Deposit.
0.25% APR rate discount on qualifying FAIRWINDS loans.
Card Details
Annual fee: $95
18.00% fixed APR
No foreign transaction fees
Additional trusted authorized users: no cost
See the Card Agreement and Disclosures, Pricing and Terms, and Visa Guide to Benefits for details.
Credit card not your thing?
That's okay — financial freedom comes first. FAIRWINDS debit card is your best tool. It’s safe, simple, and helps keep your spending 100% debt-free.
See How Much You Could Earn
The Visa Signature® Credit Card is our best tool for travel.
However, interest could cost you far more than the points will save you if you overspend.
This tool is here to show how rewards can work with your budgeted expenses. It’s not a reason to spend more than you can afford, just a smarter way to make the most of what you already plan to spend.
How to Redeem Your Credit Card Points
You can redeem your points directly through FAIRWINDS Online Banking or Mobile App by following these steps:
Online Banking:
Log in to FAIRWINDS Online Banking.
Select Credit Card Management.
Under Rewards, click your available points.
Select Redeem and choose how you would like to use your points.
Mobile App:
Log in to the FAIRWINDS Mobile App.
Tap More, then select Card Management.
Select your Visa Signature® Credit Card.
Tap Redeem and choose how you would like to use your points.
Available redemption options include merchandise, travel, gift cards, and more. Options and processing times may vary.
Spend Your Points in Style
An example of how your points can add a little magic to your next vacation.
3-Night Stay: August 17 - August 20, 2026
Additional Benefits and Tools
You’re protected against unauthorized or fraudulent charges.
Temporarily lock your credit card instantly if it’s lost or stolen.
Receive fraud alerts through text message, email, or phone for your FAIRWINDS Visa® Debit or Credit Card. Simply reply to the message to confirm or deny potentially fraudulent transactions, all from the convenience of your phone.