FAIRWINDS Visa Signature®
FAIRWINDS Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of FAIRWINDS Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The FAIRWINDS Visa Signature® from FAIRWINDS Credit Union earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn 60,000 bonus points when you spend $5,000 in the first three months. That's a $900 travel value..
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $95
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
What does the FAIRWINDS Visa Signature earn in each category?
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how FAIRWINDS Visa Signature compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight flights at.
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how FAIRWINDS Visa Signature compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 2x points | 2% |
| Other General everyday spend | 2x points | 2% |
Madeen values FAIRWINDS points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the FAIRWINDS Visa Signature?
The FAIRWINDS Visa Signature fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
FAIRWINDS Visa Signature fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3x points).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- FAIRWINDS points value depends on how you redeem, not straight cash back.
What is the FAIRWINDS Visa Signature welcome bonus?
In Madeen's catalog snapshot, the FAIRWINDS Visa Signature welcome offer is Earn 60,000 bonus points when you spend $5,000 in the first three months. That's a $900 travel value.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 60k FAIRWINDS points (~$600 estimated)
- Terms (catalog snapshot)
- Earn 60,000 bonus points when you spend $5,000 in the first three months. That's a $900 travel value. First-year annual fee waived.
- Minimum spend
- $5,000
- Window
- 3Months
Does the FAIRWINDS Visa Signature have an annual fee?
The FAIRWINDS Visa Signature has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What benefits come with the FAIRWINDS Visa Signature?
The FAIRWINDS Visa Signature includes Booking.com, Cell Phone Protection, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Purchase Protection
$10,000/yrUp to $500 per eligible purchase within 90 days of the purchase date. Maximum coverage of $50,000 per cardholder.
Cell Phone Protection
$7,200/yrUp to $500 per claim when your cellphone is damaged or stolen. Subject to a $50 deductible. Maximum of two claims totaling $1,000 per 12-month period
Trip Delay Protection
$5,000/yrUp to $300 per ticket when your trip is delayed more than 12 hours.
Lost Luggage Protection
$3,000/yrUp to $3,000 per trip. Applies when you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier. For New York residents, coverage is limited to $2,000 per bag.
Return Protection
$1,000/yrUp to $250 per eligible purchase within 90 days of the purchase date.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Rental Insurance
$25/yrCoverage for damage to or theft of a rental vehicle. Must decline the collision damage waiver (CDW) at the counter. Coverage is secondary to personal insurance.
Related encyclopedia topics
Common questions about the FAIRWINDS Visa Signature
Where do cardholders spend most with the FAIRWINDS Visa Signature?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (5x), lodging (5x), other travel (5x) for the FAIRWINDS Visa Signature. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the FAIRWINDS Visa Signature have an annual fee?
The FAIRWINDS Visa Signature carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the FAIRWINDS Visa Signature?
Dining is the strongest Madeen category for the FAIRWINDS Visa Signature at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the FAIRWINDS Visa Signature charge foreign transaction fees?
The FAIRWINDS Visa Signature does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the FAIRWINDS Visa Signature welcome bonus?
The FAIRWINDS Visa Signature welcome offer in our snapshot: Earn 60,000 bonus points when you spend $5,000 in the first three months. That's a $900 travel value.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the FAIRWINDS Visa Signature annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the FAIRWINDS Visa Signature compare to similar cards?
Compare the FAIRWINDS Visa Signature against FAIRWINDS Business Cash Visa (1.5% on Dining, $0 fee); FAIRWINDS Business Rewards Visa (1.5% on Dining, $0 fee); FAIRWINDS Cash Back Visa (1.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
FAIRWINDS Visa Signature This card | Dining | 3% | $95 |
FAIRWINDS Credit Union | Dining | 1.5% | $0 |
FAIRWINDS Credit Union | Dining | 1.5% | $0 |
FAIRWINDS Credit Union | Dining | 1.5% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
FAIRWINDS Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of FAIRWINDS Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure