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Visa Platinum Rewards

Earn points with every purchase.

You can earn up to 3x the points on your chosen category. Earn two points for each dollar spent in the gas and groceries category and one point for all other purchases. Redeem on-the-go for gift cards, merchandise, travel, experiences, and donations or take advantage of Pay with Points to pay for your purchases!

Rewards Your Way!

Choose where you want to earn 3x the points. You can earn on Amazon, travel, restaurants, appliances, home improvement, and more!

Apply Now

What Your Points Can Do For You!

Redeem your rewards in real-time through a variety of ways.

Pay With Points

Pay yourself back with points.

  • Redeem points to get a credit back on your purchase.
  • Purchase, get notified and redeem through a 1-click redemption.
  • Customize the sorts of merchant categories you want to redeem.

Checkout With Points

Checkout with discounts.

  • Redeem points to get discounts at point of sale.
  • Get a $5 or $10 discounts.
  • Participants include retailers like Walmart, CVS, Walgreens and more. 

Fuel With Points

Pay with points at the pump.

  • Receive immediate discounts at participating fuel stations.
  • Earn points on the remaining transaction amount. 
  • Shell, CITGO, Murphy USA and more participating stations.

VISA Platinum Rewards Features

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

  • Rates as low as 12.99% APR*
  • Instant Issue Contactless Credit Card
  • No annual fee
  • No minimum finance charge

Redeem on-the-go with near immediate email/text notifications. 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

VISA Platinum Rewards Benefits

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 Rates APR Range
VISA Platinum 9.99% - 18.00%
VISA Platinum Rewards 12.99% - 18.00%
VISA Secured 9.00%

*Rates are based on individual credit worthiness. Rates are variable for Visa Platinum and Visa Platinum Rewards Cards. Rates are subject to change without 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 use our loan payment service, REPAY, to setup recurring payments 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. Enjoy the convenience of making recurring payments from an outside institution using our loan payment solution, REPAY.

Learn More 

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.

 

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 »

 

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.