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Last Updated: 07/28/2025

Fairwinds Credit Union Cash Back Visa

from Fairwinds Credit Union

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Rating not yet determined1 total votes

1 users recommend

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Highlights

Purchase APR (Variable APR)

10.24% - 18.00%(Verified 06/21/2024)

Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

10.24% - 18.00%(Verified 06/21/2024)

Disclaimer popup with additional information

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

The Good

The Bad

Potentially lower than average purchase APRs.
0% APR balance transfer intro rate on balance transfers for 12 months.
0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 10.24% up to 18.00% .
Multiple credit card perks.
Offers Auto Rental Collision Damage Waiver*.
Extended warranty on purchases.
Identity Theft Protection.
Travel accident and travel assistance insurance.
Fairwinds Credit Union Cash Back Visa reports to multiple credit bureaus.

You need good credit to qualify.
N/A
Does not offer a signup bonus.

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.

Fairwinds Credit Union Cash Back Visa Rewards Breakdown

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.

Fairwinds Credit Union Cash Back Visa Balance Transfers

Description

Balance Transfer APR

10.24% - 18.00%

Balance Transfer Introductory APR

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?

Fairwinds Credit Union Cash Back Visa Purchase Intro Offer

Description

Introductory Rate

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?

Fairwinds Credit Union Cash Back Visa Fees

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.

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

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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.

Contact

Headquarters

135 W Central Blvd,

Orlando, FL 32801

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

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Tuesday

Invalid DateTime - Invalid DateTime

Wednesday

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Thursday

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Friday

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Saturday

Closed

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SuperMoney Net Recommendation Score

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Fairwinds Credit Union Cash Back Visa Community Reviews

Would you recommend Fairwinds Credit Union Cash Back Visa to your friends?

Trey H.

Nov 9, 2021

May or may not recommend

Fairwinds is a solid bank/credit union and I have had nothing but good experiences with the company. Their customer service is quite helpful, and if you are looking for a smaller, more personal feel there is really no better place in Florida to store your funds.

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