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  Fairwinds Credit Union Cash Back Visa
Fairwinds Credit Union Cash Back Visa Unaffiliated

Fairwinds Credit Union Cash Back Visa

Unaffiliated
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
0 users are unsure
0 users don't recommend
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Highlights
Community Rating

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Purchase APR 10.24 - 18.00
Balance Transfer APR 10.24 - 18.00
Credit Score Range 700 - 850
Annual Fee N/A

Fairwinds Credit Union Cash Back Visa Review

This is a 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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 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 up to 12 months.
  • Competitive APRs. Fairwinds Credit Union Cash Back Visa has a variable purchase APR that ranges from 10.24% up to 18.00%.
  • Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
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 up to 12 months.
  • No balance transfer fee, if you transfer the balance within 25 days. After the intro period, the fee is 10.24%.
  • 0% APR on new purchases during the first 12 months.
  • Multiple credit card perks.
  • Fairwinds Credit Union Cash Back Visa reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
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 card features rewards for purchases in the following categories:

What are the Fairwinds Credit Union Cash Back Visa benefits?

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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 up to 12 months.

Fairwinds Credit Union Cash Back Visa Balance Transfers
Description
Balance Transfer Fee % After Intro Period 10.24 - 18.00
Balance Transfer Fee Intro Period 25 days
Balance Transfer Introductory APR 0
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 10.24 - 18.00

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 0
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Fairwinds Credit Union Cash Back Visa?

The following fees apply:

Fairwinds Credit Union Cash Back Visa Fees
Fees Amount
Annual Fee
Returned Payment Fee $25 - $35
Late Payment Fee $25 - $35

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 Fairwinds Credit Union Cash Back Visa login page?

You can access the Fairwinds Credit Union Cash Back Visa login page 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 your account activity to the following credit reporting agencies:

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Fairwinds Credit Union Cash Back Visa

  • Visit the Fairwinds Credit Union Cash Back Visa website.
  • 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

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

About Fairwinds Credit Union Cash Back Visa

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View all credit cards offered by Fairwinds Credit Union

Availability

  Available in 1 state
Florida
Availabile in all of Florida

Feature Breakdown

Introductory Rate 0
Purchase Intro APR Period 12 months
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum 10
Cash Advance Fee (%) Starting at 4
Minimum Cash Advance Fee ($) Starting at 10
Returned Payment Fee 25 - 30
Late Fee Amount 25 - 35
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Airport Lounge Access
Rewards Categories
  • Every Purchase
Cash Advance APR Starting at 18.00
Balance Computation We will use a method called "average daily balance (including new purchases)."
Purchase APR 10.24 - 18.00
Balance Transfer Fee % After Intro Period 10.24 - 18.00
Balance Transfer Fee Intro Period 25 days
Balance Transfer Introductory APR 0
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 10.24 - 18.00
Card Type
  • Cashback

Fairwinds Credit Union Cash Back Visa Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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