The Fairwinds Credit Union is a business credit card from Fairwinds Credit Union. The annual fee is $0. The ongoing APR is 18.00% after a 0.00% introductory rate for 12 months. Signup bonus: Receive a welcome bonus of $500 cash back when you spend $5,000 in the first 90 days your card is open.. Rewards: Earn unlimited 1.5% cash back on all purchases.. Cash back: 1.5% cash back for Business Cash Visa. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Primary bureau pull: Equifax per community data.