Fairwinds Credit Union Signature Visa

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
Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Cardholders can earn rewards on purchases everywhere Fairwinds Credit Union Signature Visa is accepted. Fairwinds Credit Union Signature Visa reports to multiple credit bureaus.	Higher than average purchase APRs. You need good credit to qualify. Charges an annual fee of up to $249. Charges a 3.00% balance transfer fee.

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.

Fairwinds Credit Union Signature Visa Rewards

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

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% .

What are the fees for Fairwinds Credit Union Signature Visa?

The following fees apply:

Fairwinds Credit Union Signature Visa Fees

Fees	Amount
Annual Fee	Starting at $75 up to $249
Returned Payment Fee	up to $30
Late Payment Fee	up to $35

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.