Last Updated: 07/28/2025
Fairwinds Credit Union Signature Visa
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 18%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$75 - $249
Fairwinds Credit Union Signature Visa Review
This is a cashback credit card issued by Fairwinds Credit Union. If you're wondering whether Fairwinds Credit Union Signature Visa is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 60,000 points that can be redeemed for travel, gifts, or other perks.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR starting at 18%
- A 3.00% balance transfer fee. Fairwinds Credit Union Signature Visa charges a fee of 3.00% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- 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 Signature Visa
| The Good | The Bad |
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Fairwinds Credit Union Signature Visa FAQ
Does Fairwinds Credit Union Signature Visa have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Fairwinds Credit Union Signature Visa have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 60,000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Fairwinds Credit Union Signature Visa offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Fairwinds Credit Union Signature Visa benefits?
Fairwinds Credit Union Signature Visa 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 Signature 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 Signature Visa has a variable purchase APR starting at 18%. The card has a variable balance transfer APR starting at 18% . It also has a variable cash advance APR starting at 18% .
Does Fairwinds Credit Union Signature Visa have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Fairwinds Credit Union Signature Visa have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Fairwinds Credit Union Signature Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $75 - $249 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $75 up to $249.
What is the customer service phone number for Fairwinds Credit Union Signature Visa?
The customer service number for Fairwinds Credit Union Signature Visa is (407) 277-5045.
What is the support contact email for Fairwinds Credit Union Signature Visa?
The support contact email for Fairwinds Credit Union Signature Visa is member_services@fairwinds.org.
How do people rate the customer service and user experience of Fairwinds Credit Union Signature Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Fairwinds Credit Union Signature Visa report your account activity to credit bureaus?
Yes, Fairwinds Credit Union Signature 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 Signature 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 Signature Visa
- Visit the website of Fairwinds Credit Union Signature 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 Signature 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.
Hours of Operation
Sunday
Closed
Monday
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Wednesday
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Friday
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Saturday
Closed
Other Services by Fairwinds Credit Union
Other Credit Cards from Fairwinds Credit Union
Rating not yet determined
Purchase APR
10.24% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
10.24% - 18.00%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
10.24% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
10.24% - 18.00%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
10.24% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
N/A
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Learn MoreSuperMoney Net Recommendation Score
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