Last Updated: 07/28/2025
Fairwinds Credit Union Cash Back Visa
Unaffiliated
in Credit Cards from Fairwinds Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.24% - 18.00%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
10.24% - 18.00%(Verified 06/21/2024)
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Credit Score Range
700 - 850
Annual Fee
N/A
Fairwinds Credit Union Cash Back Visa Review
This is a cashback credit card issued by Fairwinds Credit Union. If you're wondering whether Fairwinds Credit Union Cash Back Visa is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- APRs: Fairwinds Credit Union Cash Back Visa has a variable regular purchase APR that ranges from 10.24% up to 18.00%.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Fairwinds Credit Union Cash Back Visa
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Fairwinds Credit Union Cash Back Visa FAQ
Does Fairwinds Credit Union Cash Back Visa have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Fairwinds Credit Union Cash Back Visa?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Fairwinds Credit Union Cash Back Visa has a variable purchase APR that ranges from 10.24% up to 18.00%. The card has a variable balance transfer APR that ranges from 10.24% up to 18.00%. It also has a variable cash advance APR starting at 18.00% .
Does Fairwinds Credit Union Cash Back Visa have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 10.24% - 18.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 10.24% - 18.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 25 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Fairwinds Credit Union Cash Back Visa have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 12 months.
What are the fees for Fairwinds Credit Union Cash Back Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25 - $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 - $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
There is a late fee of up to $35 . What is the customer service phone number for Fairwinds Credit Union Cash Back Visa?
The customer service number for Fairwinds Credit Union Cash Back Visa is (407) 277-5045.
What is the support contact email for Fairwinds Credit Union Cash Back Visa?
The support contact email for Fairwinds Credit Union Cash Back Visa is member_services@fairwinds.org.
What is the login page for Fairwinds Credit Union Cash Back Visa?
You can access the login page of Fairwinds Credit Union Cash Back Visa here.
How do people rate the customer service and user experience of Fairwinds Credit Union Cash Back Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Fairwinds Credit Union Cash Back Visa report your account activity to credit bureaus?
Yes, Fairwinds Credit Union Cash Back Visa reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Fairwinds Credit Union perform a hard credit pull?
Yes, Fairwinds Credit Union Cash Back Visa performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Fairwinds Credit Union Cash Back Visa
- Visit the website of Fairwinds Credit Union Cash Back Visa.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
View Fairwinds Credit Union Cash Back Visa's published terms & conditions
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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