Last Updated: 07/28/2025
Gulf Winds Credit Union Visa Platinum Rewards
Unaffiliated
in Credit Cards from Gulf Winds Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.9% - 17.9%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
10.9% - 17.9%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Gulf Winds Credit Union Visa Platinum Rewards Review
This is a rewards card issued by Gulf Winds Credit Union. If you're wondering whether Gulf Winds Credit Union Visa Platinum Rewards is the right card for you, read on.
Key Takeaways
- APRs: Gulf Winds Credit Union Visa Platinum Rewards has a variable regular purchase APR that ranges from 10.9% up to 17.9%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, purchase security, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Gulf Winds Credit Union Visa Platinum Rewards
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Gulf Winds Credit Union Visa Platinum Rewards FAQ
Does Gulf Winds Credit Union Visa Platinum Rewards have a cash back or rewards program?
Gulf Winds Credit Union Visa Platinum Rewards is a rewards card.
| Description |
Does Gulf Winds Credit Union Visa Platinum Rewards have a signup bonus?
This card doesn't offer a cash signup bonus.Does Gulf Winds Credit Union Visa Platinum Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Gulf Winds Credit Union Visa Platinum Rewards benefits?
Gulf Winds Credit Union Visa Platinum Rewards provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Gulf Winds Credit Union Visa Platinum Rewards?
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.Gulf Winds Credit Union Visa Platinum Rewards has a variable purchase APR that ranges from 10.9% up to 17.9%. The card has a variable balance transfer APR that ranges from 10.9% up to 17.9%. It also has a variable cash advance APR that ranges from 10.9% up to 17.9%.
Does Gulf Winds Credit Union Visa Platinum Rewards have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Gulf Winds Credit Union Visa Platinum Rewards 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 Gulf Winds Credit Union Visa Platinum Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Gulf Winds Credit Union Visa Platinum Rewards have a foreign transaction fee?
Gulf Winds Credit Union Visa Platinum Rewards charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Gulf Winds Credit Union Visa Platinum Rewards?
The customer service number for Gulf Winds Credit Union Visa Platinum Rewards is (800) 650-6328.
What is the support contact email for Gulf Winds Credit Union Visa Platinum Rewards?
The support contact email for Gulf Winds Credit Union Visa Platinum Rewards is info@gogulfwinds.com.
What is the login page for Gulf Winds Credit Union Visa Platinum Rewards?
You can access the login page of Gulf Winds Credit Union Visa Platinum Rewards here.
How do people rate the customer service and user experience of Gulf Winds Credit Union Visa Platinum Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Gulf Winds Credit Union Visa Platinum Rewards report your account activity to credit bureaus?
Yes, Gulf Winds Credit Union Visa Platinum Rewards 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 Gulf Winds Credit Union perform a hard credit pull?
Yes, Gulf Winds Credit Union Visa Platinum Rewards 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 Gulf Winds Credit Union Visa Platinum Rewards
- Visit the website of Gulf Winds Credit Union Visa Platinum Rewards.
- 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.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 12:00PM