Enjoy the power and prestige of a Gulf Winds Visa Platinum Rewards credit card or a Gulf Winds MasterCard Platinum Rewards credit card.
Call us at (850) 479.9601.
Visit one of our nine convenient branch locations today to apply for a Gulf Winds credit card.
Low Competitive Rates
Get a great rate as low as 7.9% APR* and no annual fee, in addition to the other enhanced credit card benefits.
Security & Convenience
Take advantage of the security, reliability, and convenience that comes with a Gulf Winds Platinum Reward Visa or MasterCard. You'll enjoy features like acceptance at millions of locations, global recognition, and protection from fraudulent purchases.
More Benefits & Enhancements
- No annual fee
- Low competitive rates
- 25-day interest-free grace period for purchases
- Easy application process, approved locally
- No cash advance fees
- No minimum finance charge
- Worldwide acceptance
- Travel accident insurance coverage
- Auto rental insurance
- 24/7 members service and lost or stolen card reporting (Toll Free: 800.449.7728)
- 24/7 online account management
- Make payments online and with several automatic options
- Online purchase protection with Verified by Visa & MasterCard SecureCode
CU Rewards
As a Platinum Rewards credit card holder, you automatically earn one point for every dollar you spend (excludes returns, cash advances and transfers), and your monthly statement keeps you updated with your total. Accumulated points stay on your account for four years. Reward points can be redeemed for home goods, electronics, travel, and more! You can take home a reward for as few as 2,500 points.
View a CURewards list here.
Peace of Mind
Gulf Winds protects cardholders with sophisticated fraud-fighting tools that proactively predict, monitor, and aids in preventing fraud from occurring. If you're ever the victim of identity theft, we'll work with you, the credit bureaus, and the authorities to get your life back in order - a free service to all Gulf Winds members.
Lost or Stolen Credit Card Reporting
Toll Free: 800.449.7728
24/7 Cardholder Services
Toll Free: 800.654.7728
Ways to Pay
Gulf Winds makes it easy to pay your credit card balance. Please review the many convenient Ways To Pay by clicking here.
Call us at (850) 479.9601.
Visit one of our nine convenient branch locations today to apply for a Gulf Winds credit card.
APR = Annual Percentage Rate
*Subject to credit approval. Rates and terms are subject to change.
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Gulf Winds Federal Credit Union Disclosure Information |
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Visa Platinum with Rewards & MasterCard Platinum with Rewards |
Secured Visa |
INTRODUCTORY APRs
• Purchase APRs
• Balance Transfer APRs |
Purchases: 3.99%
Balance Transfers: 3.99%
** Promotional rates apply to Purchases and Balance Transfers made within the first 3 months of your new credit card account. Promotional rates are good for 9 months from the date that your new credit card is opened. |
STANDARD APRs
• Purchase APRs
• Cash Advance APRs
• Balance Transfer APRs |
Purchases APR: 7.9%, 9.9%, 11.9%, 14.9%, or 18.0%, based on creditworthiness
Cash Advance APR: 7.9%, 9.9%, 11.9%, 14.9%, or 18.0%, based on creditworthiness
Balance Transfer APR: 7.9%, 9.9%, 11.9%, 14.9%, or 18.0%, based on creditworthiness (See cardholder agreement for complete details.) |
Purchases APR: 9.0%
Cash Advance APR: 9.0%
Balance Transfer APR: 9.0% |
| Grace Period for Repayment of Balances for Purchases |
You will have a minimum of 25 days without a finance charge on new purchases if the total new balance is paid in full each month by the payment due date. |
| Method of computing the balance for purchases and cash advances |
Purchases: Average Daily Balance Method - Interest is calculated, billed and reported at cycle time.
Cash Advances: Average Daily Balance Method - Interest is calculated, billed and reported from date of transaction.
(See cardholder agreement for complete details.) |
| Minimum Finance Charge |
None |
Annual Fee
Cash Advance Fee
Other Fees |
None
None
Late Payment Fee: $20
Over the Limit Fee: $20
Balance Transfer Fee: None
Returned Check Fee: $25
Card Replacement Fee: $5
Late Payment: $20
Over Limit: $20
Foreign Transactions: 1% of transaction amount |
