Preferred Cash Back Visa® Signature Credit Card
Earn rewards on purchases you’ve already planned and never carry a balance on your card.
A Payment Tool, Not a Temptation
Use your card for everyday purchases you’ve budgeted for. Pay your balance in full so your rewards feel like wins, not regrets.
1.5% Cash Back
Get unlimited cash back on all purchases. Never spend extra just for rewards.
$0 Annual Fee
Enjoy no annual fee and keep more money in your wallet.
Special Introductory Rate
Lower rate for 12 months; great for consolidating and paying off debt.
For Those Who Choose Freedom Over Debt
The Preferred Cash Back Visa Signature® Credit Card is designed to help you spend smarter. It’s ideal for members who:
Spend Intentionally — and want rewards on purchases they’ve already planned.
Value Simplicity — with no hidden fees, no gimmicks, and no confusing fine print.
Pay in Full — because they know financial freedom means using credit without carrying debt.
See Card Agreement and Disclosures, Pricing and Terms, and Visa Guide to Benefits for details.
Smart Spending, Real Rewards
Preferred Cash Back Visa® Benefits
1.5% cash back on everyday purchases you’ve budgeted for.
Rewards that never expire — Because smart spending should always pay off.
Extended Warranty and Purchase Security — Extra coverage on eligible purchases when you use your card.
Roadside Dispatch — For help when you need it most.
Travel and Emergency Assistance Services — To support you on the go.
Signature Perks
Credit Limit $5,000+
Everything in the Preferred Cash Back Visa®, plus:
Auto Rental Collision Damage Waiver — For peace of mind on the road.
Cell Phone Protection — When you pay your bill with your card.
Visa Signature Concierge — To help simplify planned purchases and reservations.1
Card Details
0.00% introductory APR on purchases and balance transfers for the first 12 months after account opening. After 12 months, your variable APR will range from 14.49%-18.00% APR, based on your creditworthiness and the Prime Rate.
No annual fee
No balance transfer fees
No foreign transaction fees
Paying your balance in full each month means you never pay interest.
Credit card not your thing?
That's okay — financial freedom comes first. FAIRWINDS debit card is your best tool. It’s safe, simple, and helps keep your spending 100% debt-free.
Transfer Your Balance. Take Back Control.
Already carrying credit card debt? At FAIRWINDS balance transfer isn't about moving debt around — it's about paying it off for good. Use this as a smart, temporary tool to save interest and get to financial freedom faster.
Have Peace of Mind with Safety and Security
Get account alerts sent to your phone or email and have peace of mind. Message and data rates may apply.
You’re protected against unauthorized or fraudulent charges.
Tap your FAIRWINDS Visa® card and pay for purchases safely and securely.
Temporarily lock your credit card instantly if it’s lost or stolen.
We will never proactively reach out through email, text, or phone calls and ask you to provide your debit or credit card PIN, a temporary access code, or online banking passwords. If someone claiming to be from FAIRWINDS asks you for this information contact us immediately.
Receive fraud alerts through text message, email, or phone for your FAIRWINDS Visa® Debit or Credit Card. Simply reply to the message to confirm or deny potentially fraudulent transactions, all from the convenience of your phone.