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Celebrating 70 Years of Service

Visa Platinum Rewards

Earn points with every purchase.

Earn one point for every dollar of every purchase, every day.
Redeem for gift cards, airline tickets, cruises, hotels, merchandise and rental cars or use your points to pay!
Apply now and get pre-qualified with no impact to your credit score.1

Limited-Time Offer: No Balance Transfer Fees!

Consolidate debt and simplify your payments with lower interest rates and no annual fees. Take advantage of this special offer before it's gone!

Apply Now

VISA Platinum Rewards Features

With the VISA Platinum Rewards card, you'll enjoy: 

  • Rates as low as 10.9% APR*
  • Three ways to use reward points
  • No balance transfer fee
  • No annual fee
  • No cash advance fees
  • No minimum finance charge

To check or redeem your Visa Platinum Rewards, simply log in to Digital Banking, then select Credit Cards > Get My Rewards from the main menu.

Apply Now

Ways to Use Your Points

Along with being accepted worldwide, our VISA credit cards offer a variety of benefits that keep you moving forward.
Apply online now or call us at 1.800.650.6328 to get started.

Easy Account Management

Manage and use your money the easy way with:

From online shopping to in-store purchases, we've got you covered with proactive fraud-fighting tools:

  • EMV Chip Technology
  • Online purchase protection with Visa Secure

Life is unpredictable. With the Gulf Winds Debt Protection program, your loan balance or monthly payments may be cancelled without penalty or added interest. 

  • Multiple coverage options available to best fit your needs. Must be purchased at time of loan funding.
  • Cancel at any time. If you do so within the first 30 days, we will refund any fees already paid.
Credit Card Rates
Credit Card APR Range
VISA Platinum 8.9% - 17.9%
VISA Platinum Rewards 10.9% - 17.9%
VISA Secured 9%

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

Cardholder Resources

Get the most out of your credit card. Our card payment options and fraud alerts simplify spending and let you go on with your day.

Digital Payments

Make your payment instantly with a funds transfer from one of your Gulf Winds accounts to your credit card or set up a transfer from another financial institution. 

In-Branch Payments

Make your credit card payments at any of our convenient branch locations for free. Payments received before 5 p.m. Monday through Friday will be applied the same day.1

Payments by Phone

Transfer funds from any Gulf Winds account by calling 1.800.650.6328 to make your payment for free. Payments received before 5 p.m. Monday through Friday will be applied the same day.2

Payments by Mail

Rather send us your payment through the mail? Remit your payment with the coupon enclosed in your credit card statement and we'll take care of the processing. 

Fee-Free Auto Pay

Easily set-up automatic payments from any account on a monthly, bi-weekly or weekly basis without a fee. Choose to automatically pay your full statement balance, the minimum payment or a fixed amount greater than minimum. Sign up online via our Digital Banking platform or at any branch; signature required.*

*A signature is not required if the automatic payment will be made from a Gulf Winds account.


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. If the transaction is confirmed as fraud with a “NO” text reply, the card will be blocked immediately to prevent any additional fraudulent charges and we will respond with the next step necessary.

You are automatically enrolled in this free service when getting a Gulf Winds Credit Card, however, you can opt-out at any time. Please ensure that your phone number is correct and updated in our system to receive these notifications. 

To report credit card fraud or dispute charges reach out to VISA's dedicated support line. Just call 1.866.791.6842 and select Option 4.


Get Pre-Approved Today!

See which card(s) you qualify for with our quick and easy no credit impact application! 

Apply Online

Additional Card Options


Our Lowest-Rate Card

Enjoy great rates everyday with
VISA Platinum.

Learn More »


Our Credit Building Card

Establish or strengthen credit with
VISA Secured.

Learn More »

1Pre-qualification is a qualifying offer based on a soft credit pull. While pre-qualification shows you what rates you may qualify for with no impact to your credit score, these offers may change based on a full credit check during pre-approval. The pre-approval process will occur upon accepting a pre-qualification offer and will include a review of your credit report and personal information to determine what loan amount and rate you can receive; these rates are good for up to 30 days and require a hard credit pull which impacts your credit score. Pre-Qualified offers are initial, conditional offers and are subject to change based on completion of a final application, verification of information provided and other conditions determined solely by Gulf Winds. Offers are not guaranteed and not a commitment to lend.

1Please allow two business days for posting on payments via transfer from an external account.
2Please note external accounts cannot utilize our automated Phone Banking and fees may be charged to facilitate a payment from an external account.