Visa Platinum Credit Card

Get the lowest rate every day.

Enjoy great rates everyday with VISA Platinum.

VISA Platinum Card Features

With the VISA Platinum card, you'll enjoy:

Rates as low as 9.99% APR*
Instant Issue Contactless Credit Card
No annual fee
No minimum finance charge

VISA Platinum 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:

24/7 online account access
Apple Pay^TM, Samsung Pay, and Android Pay^TM

Fraud Prevention

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

Debt Protection

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 Rewards Card

Earn points on every purchase with
VISA Platinum Rewards.

Learn More »

Our Credit Building Card

Establish or strengthen credit with
VISA Secured.