Build Credit, Build Possibilities
The Sandia Area Access Mastercard® is the simple way to manage credit with low rates and no annual fees—all backed by the buying power and security of Mastercard!
Earn 2.99% APR1 on every purchase for 12 months from the date of account opening. After that, enjoy your approved variable APR of 8.49 - 17.99%.3
Earn 3.99% APR2 for the first 12 billing cycles on transfers made in the first 60 days of account opening. After that, enjoy your approved variable APR of 8.49 - 17.99%.3
2.99%
Introductory Offer
3.99% APR
Introductory
Balance Transfer3
Simple Way To Manage Credit
Everyone starts somewhere. The Access Mastercard is a straightforward way to build or strengthen your credit, with low rates, no annual fees, and the everyday protection of Mastercard behind every purchase.
No Annual Fees
Enjoy more freedom with the Sandia Area Access card. All the benefits without annual or cash advance fees.
No Balance Transfer Fees
Save every month by moving higher-rate balances to your Access Mastercard.
Start a balance transfer here!
Low Rates
Pay less each month for your balance, with great rates that never exceed 17.99% APR.3
Built-In Value with Every Transaction
Your Sandia Area Rewards Credit Mastercard® comes loaded with powerful protections and exclusive perks—built in at no extra cost.
Mastercard Zero Liability Protection
Shop with confidence knowing you’re protected from unauthorized purchases, making every transaction worry-free.a
Identity Theft Resolution
If identity theft happens, we’ve got you covered. Get help with credit bureau notifications, card replacement, and access to an ID Theft Affidavit to protect your financial identity.b
Easy Savings Program
Save effortlessly with automatic rebates. Simply use your Sandia Area Mastercard at participating merchants, and watch the savings roll into your monthly statement—no coupons or codes needed!b
Priceless Experiences
Unlock unique experiences and exclusive offers at priceless.com. From luxurious spa treatments to one-of-a-kind shopping deals and family adventures, enjoy special discounts in cities worldwide.
Mastercard Global Service
Get 24/7 support no matter where you are. From lost or stolen card assistance to emergency cash advances, we’re here to keep you moving—day or night.b
MasterRental Insurance
Travel worry-free! Enjoy peace of mind with reimbursement for damages or theft of your rental vehicle when you pay with your Sandia Area Debit Mastercard®.b
Airport Concierge Service
Get VIP treatment at over 450 airports worldwide. Enjoy personalized Meet & Greet services and expedited security or customs for a smooth travel experience, 24/7/365.b
Get Your Card Today
Enjoy the perks of Sandia Area membership, with personalized services, great rates, and a community-focused banking experience. Get rewarded with Sandia Area—become a member online anytime!
Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. All loans, terms, and conditions are subject to credit approval. Restrictions apply. Rates and programs are subject to change without notice. See important credit card terms here. Sandia Area Federal Credit Union may terminate the Program or change the Terms and Conditions, rules, policies, reward points, and/or benefits at any time with or without notice as permitted by law.
1. APR = Annual Percentage Rate. The 2.99% APR introductory offer is only available on new purchases performed within the first 12 billing cycles from the account opening date for new accounts or the first date of the new billing cycle for upgraded accounts. The 12-month 2.99% APR period for new purchases is valid for the first 12 billing cycles the account is open. Beginning on the 13th billing cycle, the APR on your account will convert to the current purchase APR.
2. APR = Annual Percentage Rate. The 3.99% APR balance transfer offer is good for 12 billing cycles when a balance transfer is performed within the first 60 days of the account opening. Beginning the 13th billing cycle, the APR on your balance transfer will convert to your current balance APR.
3. APR = Annual Percentage Rate. Rate effective as of 10/31/2025. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. See important credit card terms here.
These are summary descriptions only. Additional terms, conditions, restrictions and exclusions may apply. Contact Sandia Area for complete coverage terms and conditions or call 1-800-MASTERCARD for assistance.
Mastercard, Priceless, and the Mastercard brand mark are registered trademarks and Fuel Rewards Network, used pursuant to a license.
a. Mastercard Zero Liability: Certain restrictions apply. See mastercard.com/zeroliability for details.
b. Certain restrictions apply. For details, see the Guide to Benefits.
