Skip to main content | Get the freedom to go further.

Welcome offer!

Earn 60,000 bonus points when you spend $5,000 in the first three months.

Start Application  Play Video Opens dialog.

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 qualifying FAIRWINDS Certificate of Deposits.

FAIRWINDS Preferred Visa Signature®

18.00% APR*



 Apply Now

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.)

You could be earning
points every year.

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.

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 2/16/19.

Preferred Visa Signature®

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

Sapphire Reserve®

19.24%-26.24% APR
earning points
3X travel and dining 1X everything else
bonus offer
50,000 with $4,000 spent
annual fee

American Express
The Platinum Card®

Balance must be paid in full each month.
earning points
5X travel1 1X everything else
bonus offer
60,000 with $5,000 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 these VIP Perks:

Travel and Service

  • Plan with Preferred 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)
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)
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 Preferred 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 Preferred 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 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)
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 Preferred Visa Signature Cardholders

FAIRWINDS Member Reviews

  • bvseo_sdk, p_sdk, 3.2.0
  • CLOUD, getContent, 121.94ms
  • bvseo-msg: HTTP status code of 404 was returned;