Wings Member Cash Rewards Visa Signature®
How we calculate effective rate →
The Wings Member Cash Rewards Visa Signature® from Wings 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: Earn $100 bonus after spending $1,000 in the first 90 days..
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
What does the Wings Member Cash Rewards Visa Signature earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). 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 Wings Member Cash Rewards Visa Signature compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (1.5% back). 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 Wings Member Cash Rewards Visa Signature compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back 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 Wings Member Cash Rewards Visa Signature?
The Wings Member Cash Rewards Visa Signature fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
Wings Member Cash Rewards Visa Signature fits spenders who put meaningful volume in dining and can earn 1.5% back. 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 1.5% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $1 foreign transaction fees.
What is the Wings Member Cash Rewards Visa Signature welcome bonus?
In Madeen's catalog snapshot, the Wings Member Cash Rewards Visa Signature welcome offer is Earn $100 bonus after spending $1,000 in the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $100
- Terms (catalog snapshot)
- Earn $100 bonus after spending $1,000 in the first 90 days.
- Minimum spend
- $1,000
- Window
- 90Days
Does the Wings Member Cash Rewards Visa Signature have an annual fee?
The Wings Member Cash Rewards Visa Signature has an annual fee of $0 and a foreign transaction fee of $1. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $1
What benefits come with the Wings Member Cash Rewards Visa Signature?
The Wings Member Cash Rewards Visa Signature includes Auto Rental Collision Damage Waiver, Booking.com, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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.
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.
Auto Rental Collision Damage Waiver
$10/yrAt no additional cost, receive coverage for damage due to collision or theft. Just charge your entire rental transaction to your eligible Visa Signature card and decline the rental company’s collision damage waiver.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Roadside Dispatch®
$10/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.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
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.
Universal Destinations & Experiences
$10/yrGet exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Visa Signature Concierge
$10/yrGet assistance with travel planning, entertainment tickets and more.
Visa Signature Luxury Hotel Collection
$10/yrEnjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
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Common questions about the Wings Member Cash Rewards Visa Signature
Does the Wings Member Cash Rewards Visa Signature have an annual fee?
The Wings Member Cash Rewards Visa Signature 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 Wings Member Cash Rewards Visa Signature?
Dining is the strongest Madeen category for the Wings Member Cash Rewards Visa Signature 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 Wings Member Cash Rewards Visa Signature charge foreign transaction fees?
The Wings Member Cash Rewards Visa Signature charges a foreign transaction fee of $1 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the Wings Member Cash Rewards Visa Signature welcome bonus?
The Wings Member Cash Rewards Visa Signature welcome offer in our snapshot: Earn $100 bonus after spending $1,000 in the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Wings Member Cash Rewards Visa Signature?
Madeen's catalog lists a typical credit range of Good for the Wings Member Cash Rewards Visa Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Wings Member Cash Rewards Visa Signature?
Rewards on the Wings Member Cash Rewards Visa Signature post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Wings Member Cash Rewards Visa Signature compare to similar cards?
Compare the Wings Member Cash Rewards Visa Signature against Wings Member Rewards Visa Signature (2% on Dining, $0 fee); Wings Visa Platinum (0% 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 |
|---|---|---|---|
Wings Member Cash Rewards Visa Signature This card | Dining | 1.5% | $0 |
Wings Credit Union | Dining | 2% | $0 |
Wings Credit Union | Dining | 0% | $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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