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Welcome offer!

Earn 60,000 bonus points when you spend $5,000 in the first three months. That's a $900 travel value.

Start Application

Earn points experiencing life’s greatest adventures.

5 points per every $1 spent on theme park tickets and annual passes.*
  • 5 points per every $1 spent on travel.
  • 3 points per every $1 spent on dining.
  • 2 points per every $1 spent on all other purchases.
  • Points do not expire.

*Theme park tickets must be purchased directly through the theme park.

Redeem points to go wherever your heart leads you.

  • 50% more value on points redeemed for travel.
  • Redeem points online for travel, entertainment, gift cards and more.

Access to FAIRWINDS rate bonuses.**

*APR = Annual Percentage Rate
**Must request rate bonus at the time of loan application, CD opening or CD renewal.

Featured Travel Redemption

Add magic to your next vacation and stay at a Walt Disney World® Resort hotel!

3-Night Stay: October 26 – October 29, 2023

Featured Travel Redemption: 3-Night Stay: October 26 – October 29, 2023 - Disney's Caribbean Beach Resort, 91,955 points

Offer and information listed provided from CU Rewards website as of August 28, 2023.

Maximize your rewards on everyday spending.

FAIRWINDS Visa Signature®

18.00% APR*



 Apply Now

See Card Agreement and Disclosures and Pricing and Terms for details.
*APR = Annual Percentage Rate

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.)

Redeem Points for Gifts and Gift Cards

  • Example: 11,000 points = $100 gift card

The FAIRWINDS Visa Signature® Credit Card is our best credit card for travel.

You could be earning
points every year.

Point Redemption Travel Value 0

On average, I spend:


Anything else you charge that isn't travel or dining.

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.

See how your card stacks up compared to some of the best rewards credit cards.

Card features comparison as of 09/01/2023.

Visa Signature®

18% APR
earning points
5X travel 5X theme park tickets
3X dining 2X everything else
bonus offer
60,000 with $5,000 spent
annual fee

Sapphire Reserve®

22.24%–29.24% APR
earning points
5X travel 3X dining 1X everything else
bonus offer
60,000 with $4,000 spent
annual fee

American Express
The Platinum Card®

21.24% to 29.24% APR
earning points
5X travel1 1X everything else
bonus offer
80,000 with $6,000 spent
annual fee

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.
Discover offers and deals to take you to the next level.

Enjoy card features designed to give you peace of mind.

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)
The Cellular Telephone Protection benefit provides coverage for damage to or theft of an eligible cell phone. To qualify, pay your monthly wireless bill with your FAIRWINDS Visa Signature® Credit Card and your cell phone can be protected for the next calendar month.

Coverage includes up to $500 per claim with a $50 deductible. A maximum of two claims totaling $1,000 per 12-month period may be submitted.

Certain terms, conditions, and exclusions apply.

Cellular Telephone Protection Details
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)
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)
Enroll your FAIRWINDS Visa ® Signature Credit Card to get three months of free Shipt membership, then nine 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
Enroll your FAIRWINDS Visa® Signature Credit Card to get unlimited access to classes with three months free and 20% off a Skillshare annual membership.*

*Offer open to new Skillshare members only. Unless cancelled before end of trial, free trial automatically converts to an auto-renewing annual membership at a discount of 20% of the then-current annual Skillshare Membership.

Certain terms, conditions, and exclusions apply.

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

To see a full list of Offer Terms Sofar Sounds Details
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)
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)
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)
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)
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)

 Exclusively for Visa Signature Cardholders

FAIRWINDS Member Reviews

Visa Signature® Credit Card is rated 5.0 out of 5 by 15.
Rated 5 out of 5 by from Was easy applying! We've been a member of fairwinds for years, wouldn't use any other banking facility
Date published: 2023-05-15
Rated 5 out of 5 by from Love this card. I have had cards that range from American Express to Chase. This card is the best card out of all of them. The rewards are great, points add up quickly, and the customer service is amazing. I will never use another card again.
Date published: 2023-05-06
Rated 5 out of 5 by from Great Customer Service Alaa did a great job referring this credit card when I was apply for my loan.
Date published: 2022-11-19
Rated 5 out of 5 by from Great atmosphere I am a Fairwinds customer for more than 20 years. And every day they improve their services.
Date published: 2022-10-05
Rated 5 out of 5 by from Love it for years now The BEST bank! I am treated like a human being for every process. Including card applications. Been loyal over a decade now.
Date published: 2022-07-27
Rated 5 out of 5 by from Beyond Superior! Easily acceptable, the transaction exceeded my expectations, thank you!
Date published: 2018-05-24
Rated 5 out of 5 by from Pref Card Initial signup and approval was easy. Card worked great internationally.
Date published: 2018-04-02
Rated 5 out of 5 by 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
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