
Fairwinds Credit Union Signature Visa
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Purchase APR (Variable APR) | Starting at 18% |
Balance Transfer APR (Variable APR) | Starting at 18% |
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
- Generous reward rate. You can get a rewards rate of up to 60,000 Bonus points reward points per dollar spent.
- Signup bonus. Offers a signup bonus of 60,000 points after spending $5 within 3 months that can be redeemed for travel, gifts, or other perks.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 18%
- 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 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 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. You will receive after spending $5,000 on purchases in the first 3 months from account opening. That's a $900 travel value.% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $0 back in cash. However, you can earn up to 60,000 Bonus points% for purchases in a bonus category.
Minimum rewards rate | after spending $5,000 on purchases in the first 3 months from account opening. That's a $900 travel value.x |
Max rewards rate | 60,000 Bonus pointsx |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Signup Bonus (Points/Miles) | 60,000 |
Signup Bonus Spend Requirement | $5,000 |
Signup Bonus Spend Period (months) | 3 months |
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 after spending $5,000 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?
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 Signature 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 higher 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?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | Starting at $75 up to $249 |
Returned Payment Fee | up to $30 |
Late Payment Fee | up to $35 |
What is the customer service phone number for Fairwinds Credit Union Signature Visa?
The Fairwinds Credit Union Signature Visa customer service number 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.
What is the Fairwinds Credit Union Signature Visa login page?
You can access the Fairwinds Credit Union Signature Visa login page here.
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 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 Signature Visa
- Visit the Fairwinds Credit Union Signature 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.
Contact
- Headquarters
-
135 W Central Blvd,
Orlando, FL 32801 USA - (407) 277-5045
- Visit Site
- Email Support
About Fairwinds Credit Union Signature Visa
Availability
Feature Breakdown
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Starting at 4% |
Minimum Cash Advance Fee ($) | Starting at $10 |
No Foreign Transaction Fee | |
Annual Fee | $75 - $249 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Up to $30 |
Late Fee Amount | Up to $35 |
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