Fairwinds Credit Union Orlando Magic Visa

Fairwinds Credit Union Orlando Magic Visa Review

This is a cashback card issued by Fairwinds Credit Union. If you're wondering whether Fairwinds Credit Union Orlando Magic Visa is the right card for you, read on.

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 Orlando Magic Visa has a variable 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 rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, 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 Orlando Magic 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. -->. 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 Orlando Magic Visa reports to multiple credit bureaus.

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

Fairwinds Credit Union Orlando Magic Visa FAQ

Does Fairwinds Credit Union Orlando Magic 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.

What are the Fairwinds Credit Union Orlando Magic Visa benefits?

It provides the following benefits:

• 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 Orlando Magic 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 Orlando Magic 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% .

What are the fees for Fairwinds Credit Union Orlando Magic Visa?

The following fees apply:

Fairwinds Credit Union Orlando Magic Visa Fees

Fees	Amount
Annual Fee
Late Payment Fee	up to $25

Does Fairwinds Credit Union Orlando Magic Visa report your account activity to credit bureaus?

Yes, Fairwinds Credit Union Orlando Magic Visa reports your account activity to the following credit reporting agencies:

• 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 improve your credit.

How to apply for Fairwinds Credit Union Orlando Magic Visa

• Visit the Fairwinds Credit Union Orlando Magic 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.