Gulf Winds Credit Cards

A Gulf Winds Credit Card can be a practical, economical way to cover expenses and our lower rates mean you can afford the things you need right now.

We're committed to helping members during the COVID-19 pandemic, and are providing expedited approvals for new credit cards and credit limit increases for your existing Gulf Winds Credit Cards. We have card options if you want to earn rewards or build your credit. Pick your card and apply today.

VISA Platinum

Low Rates Every Day

  • Rates as low as 6.90% APR*
  • No Annual Fee
  • No Cash Advance Fees

Learn More | Apply Online Now

VISA Platinum Rewards

Earn Reward Points

  • Rates as low as 9.90% APR*
  • Earn Reward Points for Every Dollar You Spend
  • No Annual Fee
  • No Cash Advance or Balance Transfer Fees

Learn More | Apply Online Now

VISA Secured

Build Your Credit

  • Rate of 9.00% APR*
  • No Annual Fee
  • No Cash Advance Fees

Learn More | Apply Online Now

Use Apple PayTM, Samsung Pay, and Google PayTM with any Gulf Winds credit card.

Learn more about Gulf Winds and Digital Wallets

Text Message Fraud Alerts

Members that use Gulf Winds Visa credit cards may receive text messages from us if we need to confirm account activity. How does it work?

Step 1 - Our fraud monitoring system will keep an eye on your transaction activity. If it sees something unusual, you'll get a text notification.

Step 2 - If the transaction is legitimate, simply reply YES to the text message to unlock your card so transactions can continue. If you did not make the transaction, reply NO.

Example of a fraud text alert:

"FreeMSG Gulf Winds Credit Union: URGENT Visa Credit Card ending in 1234 is blocked. $123.45 at Walmart, PENSACOLA, FL. If authorized reply YES, if not reply NO. Or call 8006506328. To Opt Out, reply STOP.

For Fraud Alerts support, call 1.800.650.6328. By giving us your mobile number, you agree that Fraud Alerts text messaging is authorized to notify you of suspected incidents of financial or identity fraud.

Release of Liability: Alerts sent via SMS may not be delivered to you if your phone is not in the range of a transmission site, or if sufficient network capacity is not available at a particular time. Gulf Winds Credit Union cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as (but not limited to) data outages or “out of range” issues.

Report Credit Card Fraud or Dispute Charges

Visa has a dedicated support line where you can file a claim or make a dispute. Just call 1.866.791.6842 and select option 4.

Credit Card Rates
Term APR Range Est. Payment/$1,000 Borrowed
VISA Platinum Rewards 9.90% - 17.90% Greater of 1.5% of Balance or $10
VISA Platinum 6.90% - 17.90% Greater of 1.5% of Balance or $10
VISA Secured 9.00% Greater of 1.5% of Balance or $10

Rates as of . Rates are based on individual credit worthiness. Rates are subject to change without prior notice.