# FAIRWINDS Visa Signature® Credit Card

> Earn up to 5x on travel and 3x on dining. $95 annual fee.

Canonical page: https://cardstack.money/cards/fairwinds-visa-signature-credit-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: FAIRWINDS Credit Union
- Network: Visa
- Annual fee: $95
- Rewards program: FAIRWINDS Rewards
- Welcome offer: 60,000 points after you spend $5,000 in the first 3 months from account opening, a $900 travel value per FAIRWINDS.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 5x | Travel |  |
| 3x | Dining |  |
| 2x | All other purchases | Base earn rate |

## Other benefits

- **5X Travel & Theme Parks**: Earn 5X points per dollar on travel and theme park ticket purchases.
- **3X Dining**: Earn 3X points per dollar on dining purchases.
- **2X Everything Else**: Earn 2X points per dollar on all other purchases.
- **50% More on Travel**: Get 50% more value when redeeming points for travel through FAIRWINDS rewards.
- **No Foreign Transaction Fees**: No foreign transaction fee on purchases in foreign currency; other fees may still apply.
- **Visa Signature Benefits**: Access to Visa Signature perks and protections, including concierge and travel-related benefits where applicable.
- **Premium Relationship Savings**: Eligible members may receive additional Signature Savings APY, certificate rate bump, and loan APR discount per FAIRWINDS terms.


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CardStack shows you which card to use for each purchase and tracks the points your FAIRWINDS Visa Signature earns, so nothing you earn slips away. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863