Welcome offer!
Earn 60,000 bonus points when you spend $5,000 in the first three months.
Start Application Play Video Opens dialog.
Your signature experience awaits.
Earn points experiencing life’s greatest adventures.
- Earn 5 points per every $1 spent on travel.
- Earn 3 points per every $1 spent on dining.
- Earn 2 points per every $1 spent on all other purchases.
- Points do not expire.
Redeem points to go wherever your heart leads you.
- Get 50% more value on points redeemed for travel.
- Redeem points anytime online for travel, entertainment, gift cards and more.
Access to FAIRWINDS rate bonuses.**
- Enjoy a .25% APR* rate discount on qualifying FAIRWINDS loans.
- Enjoy a .25% rate bump on Standard FAIRWINDS Certificate of Deposits.
- Enjoy an additional 0.10% APY toward your Freedom Signature Savings.
*APR = Annual Percentage Rate
**Must request rate bonus at the time of loan application, CD opening or CD renewal.
See Card Agreement and Disclosures and Pricing and Terms for details.
*APR = Annual Percentage Rate
Earn more every day with everyday purchases.
Redeem Points for Gifts and Gift Cards
- Example: 11,000 points = $100 gift card
Get 50% More Value on Travel Redemption
Example: 60,000 points = $900 in travel redeemed through CURewards
(Redemption values may vary and may change without notice.)
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.
Plus, you receive
60,000 bonus points
after spending $5,000 on purchases in the first 3 months from account opening.
See how your card stacks up.
Card features comparison as of 04/06/2020.
FAIRWINDS
Visa Signature®
18% APR
earning points
5X travel 3X dining 2X everything else
5X travel 3X dining 2X everything else
bonus offer
60,000 with $5,000 spent
60,000 with $5,000 spent
annual fee
$249
$249
Chase
Sapphire Reserve®
18.49%-25.49% APR
earning points
3X travel and dining 1X everything else
3X travel and dining 1X everything else
bonus offer
50,000 with $4,000 spent
50,000 with $4,000 spent
annual fee
$550
$550
American Express
The Platinum Card®
Balance must be paid in full each month.
earning points
5X travel1 1X everything else
5X travel1 1X everything else
bonus offer
70,000 with $5,000 spent
70,000 with $5,000 spent
annual fee
$550
$550
1 On flights booked directly with airlines or with American Express Travel.
Take your lifestyle to the next level.
Elevate your experiences with access to premium rewards, with valuable benefits and special experiences such as:
Travel and Service
- Plan with Visa® Signature Concierge.
- Book once-in-a-lifetime experiences and travel packages
- Lost luggage and travel accident insurance.
Wine and Dine
- Indulge in gourmet dining and wine events.
- Attend complimentary Sonoma County wine tastings.
Sports and Entertainment
- Get preferred seating for select arena events, big top shows and more.
- Enjoy stay-and-play golf packages.
- Score tickets to high-profile games.
Enjoy card features designed to give you piece of mind.
Rest easy knowing you can be reimbursed if your covered luggage and its contents are lost or stolen due to theft or misdirection by the common carrier (airline, bus, train, cruise ship).
Lost Luggage Reimbursement Details (PDF)
Lost Luggage Reimbursement Details (PDF)
Access extra flexibility when returning your eligible purchases valued up to $250 within 90 days of the date of purchase.
Return Purchase Protection Details (PDF)
Return Purchase Protection Details (PDF)
Take comfort in knowing you and your eligible family members are protected when you travel. When you purchase your common carrier (airline, bus, train, cruise ship) tickets with your eligible Visa card you get accidental death and dismemberment coverage so you can travel with peace of mind.
Travel Accident Insurance Details (PDF)
Travel Accident Insurance Details (PDF)
By purchasing air travel with your FAIRWINDS Visa® Signature Credit Card, you can receive up to $300 when you’re stuck for more than twelve hours due to a covered hazard.
Trip Delay Reimbursement Details (PDF)
Trip Delay Reimbursement Details (PDF)
Purchase travel using your FAIRWINDS Visa® Signature Credit Card, and you’re covered for your non-refundable fare in case of trip interruptions or cancellations.
Trip Interruption Refund Details (PDF)
Trip Interruption Refund Details (PDF)
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)
Exclusively for Visa Signature Cardholders
FAIRWINDS Member Reviews
Preferred Visa Signature® Credit Card is rated
out of
5 by
9.
Rated 1 out of
5
by
Marcio from
Very bad CS
I’m stranded in NY not able to use my card. Several calls for help and the crew is never able to solve my problem.
Date published: 2019-09-29
Rated 5 out of
5
by
Sieb from
Beyond Superior!
Easily acceptable, the transaction exceeded my expectations, thank you!
Date published: 2018-05-24
Rated 5 out of
5
by
Anonymous from
Pref Card
Initial signup and approval was easy. Card worked great internationally.
Date published: 2018-04-02
Rated 5 out of
5
by
JFM from
A great choice for a credit card
I sought a credit card with no foreign transaction fees and a low yearly cost. The Fairwinds credit card met my criteria. I am happy with my choice.
Date published: 2018-02-22
Rated 5 out of
5
by
Anonymous from
Good extra features.
If you need to travel, this is a great card to use.
Date published: 2017-06-24
Rated 5 out of
5
by
Anonymous from
Great value
I have been a member for sometime and the teller told me about the Visa card !!!!!
Date published: 2016-08-10