FAIRWINDS Business Rewards Visa®
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 Business Rewards Visa® from FAIRWINDS Credit Union earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Unlock up to 200,000 bonus rewards points! Receive 50,000 rewards points when you spend $5,000 in the first 90 days your card is open. Receive 150,000 additional rewards points when you spend $50,000 in the first 180 days your card is open..
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use FAIRWINDS points the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1.5x points. The welcome bonus can help if you can meet the spend requirement.
What does the FAIRWINDS Business Rewards Visa earn in each category?
Dining is the strongest category at 1.5% effective value (1.5x points at about 1 cents each). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how FAIRWINDS Business Rewards Visa compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (1.5x points at about 1 cents each). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how FAIRWINDS Business Rewards Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5x points | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.5% |
| Gas Gas stations and fuel | 1.5x points | 1.5% |
| Travel Flights, hotels, transit | 1.5x points | 1.5% |
| Other General everyday spend | 1.5x points | 1.5% |
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 Business Rewards Visa?
The FAIRWINDS Business Rewards Visa fits spenders who put meaningful volume in dining and can earn 1.5x points. Best for spenders who put meaningful volume in dining and can earn 1.5x points. The welcome bonus can help if you can meet the spend requirement.
FAIRWINDS Business Rewards Visa fits spenders who put meaningful volume in dining and can earn 1.5x points. Madeen ranks its dining effective rate higher than about 35% 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 1.5x points. The welcome bonus can help if you can meet the spend requirement.
Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use FAIRWINDS points the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- FAIRWINDS points value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the FAIRWINDS Business Rewards Visa welcome bonus?
In Madeen's catalog snapshot, the FAIRWINDS Business Rewards Visa welcome offer is Unlock up to 200,000 bonus rewards points! Receive 50,000 rewards points when you spend $5,000 in the first 90 days your card is open. Receive 150,000 additional rewards points when you spend $50,000 in the first 180 days your card is open.. Minimum spend, eligibility, and offer windows.
- Offer
- 50k FAIRWINDS points (~$500 estimated)
- Terms (catalog snapshot)
- Unlock up to 200,000 bonus rewards points! Receive 50,000 rewards points when you spend $5,000 in the first 90 days your card is open. Receive 150,000 additional rewards points when you spend $50,000 in the first 180 days your card is open.
- Minimum spend
- $5,000
- Window
- 90Days
Does the FAIRWINDS Business Rewards Visa have an annual fee?
The FAIRWINDS Business Rewards Visa has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the FAIRWINDS Business Rewards Visa?
The FAIRWINDS Business Rewards Visa includes Auto Rental Collision Damage Waiver, Booking.com, OpenTable in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Purchase Security and Extended Protection
$10,000/yrPurchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
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.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Auto Rental Collision Damage Waiver
$10/yr(ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Related encyclopedia topics
Common questions about the FAIRWINDS Business Rewards Visa
Does the FAIRWINDS Business Rewards Visa have an annual fee?
The FAIRWINDS Business Rewards Visa carries an annual fee of $0 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 Business Rewards Visa?
Dining is the strongest Madeen category for the FAIRWINDS Business Rewards Visa at about 1.5% 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 Business Rewards Visa charge foreign transaction fees?
The FAIRWINDS Business Rewards Visa 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 Business Rewards Visa welcome bonus?
The FAIRWINDS Business Rewards Visa welcome offer in our snapshot: Unlock up to 200,000 bonus rewards points! Receive 50,000 rewards points when you spend $5,000 in the first 90 days your card is open. Receive 150,000 additional rewards points when you spend $50,000 in the first 180 days your card is open.. Minimum spend, eligibility, and offer windows are set.
What credit score do you need for the FAIRWINDS Business Rewards Visa?
Madeen's catalog lists a typical credit range of Excellent for the FAIRWINDS Business Rewards Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the FAIRWINDS Business Rewards Visa?
Rewards on the FAIRWINDS Business Rewards Visa post as FAIRWINDS points. Redemption value depends on how you use FAIRWINDS points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the FAIRWINDS Business Rewards Visa compare to similar cards?
Compare the FAIRWINDS Business Rewards Visa against FAIRWINDS Visa Signature (3% on Dining, $95 fee); FAIRWINDS Business Cash 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 Business Rewards Visa This card | Dining | 1.5% | $0 |
FAIRWINDS Credit Union | Dining | 3% | $95 |
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.
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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