Come for the Rate. Stay for the Rewards!
Take your spending to new heights with 1 point for every $1 spent, redeemable for shopping, travel, experiences, and more.
When you spend $1,000 in the first 90 days (excluding cash advances and balance transfers), you’ll earn 10,000 points. After that, keep earning 1 point for every dollar spent.
Earn 3.99% APR2 for the first 12 billing cycles, on balance transfers made within 60 days of opening your account. After that, enjoy your approved variable APR of 9.99% - 17.99%,4 with no annual, balance transfer, or cash advance fees.
10,000
Points with
Introductory Offer2
3.99% APR
Introductory
Balance Transfer3
Redeem Your Points Your Way
Redeem your points for valuable rewards and more (minimum redemption $25)! Manage your points and more by logging into Online and Mobile Banking.
Merchandise
Turn your points into the products you want.
Travel
Use points on airline tickets, hotels, rental cars, and more.
Event Tickets
Save on concerts and sporting events when you use points.
Gift Cards
Purchase physical or e-gift cards with points earned.
Charity
Use points to donate cash to a local or national charity.
Real Time Rewards
Pay with your points, right at checkout, when you shop at participating merchants!
Don't Let Points Expire
Points expire 3 years from their earning date.
Track & Redeem
Access your Rewards Dashboard through Online Banking.
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.6
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.a
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!
Frequently Asked Questions
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. See important terms and conditions. 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. Points are earned on net purchases. Cash advances, checks drawn from your accounts, and balance transfers used to access your account are not considered purchases and are not eligible for points. Your card account must be open and in good standing to earn rewards. There are no limits on the number of points cardholders can earn. If a transaction is subject to a billing dispute, the points value of the transaction in question may be deducted from the points total during the dispute period. If the transaction is reinstated, the points will also be reinstated. Points are not eligible on finance charges, fees, cash advances (including purchase of crypto currency and foreign currency), convenience checks, Debt Protection charges, PIN-based purchases, payment of existing card balances, balance transfers, ATM transactions, Interlink processed transactions, purchases of and any fees paid toward gift cards, pre-paid cards, re-loadable cards, or payments made for payment instruments that can readily be converted to cash (for example, travelers’ cheques, money orders, wire transfers, lottery tickets, casino gaming chips, off-track betting, wagers). Points cannot be combined with any other loyalty/frequency program that is not managed by Sandia Area. Points in this Program may not be used with any other offer, promotion, or discount; cannot be earned from, transferred to, or combined with any other member’s credit card or debit card account(s) points for redemption. Points cannot be bought, sold, or transferred in any way, including, but not limited to, transfers through inheritance or divorce.
Eligible Sandia Area Ascend Rewards MasterCard accounts will earn Points on all eligible purchases at a rate of one Point for every one dollar ($1.00) of each eligible purchase. Transactions that qualify for Points are determined at our sole discretion; we reserve the right to verify and adjust the Points balance at any time. Points redeemable on a first-in–first-out basis. Points will expire on the last day of the month, three years after the date of issuance.
The Sponsor and Administrator reserve the right to change the terms and conditions as well as the Points required for a reward, within the rewards Program. At the Sponsor’s option, redemption of Points may be restricted, limited expired or canceled at any time without prior notice. Points cannot be combined with any other loyalty/frequency program that is not managed by the Program Sponsor. Points cannot be bought, sold, or transferred in any way, including, but not limited to, transfers through inheritance or divorce. If for any reason your account is closed, including but not limited to delinquency, default, inactivity or moving to another Sandia Area Federal Credit Union Credit Card, you will forfeit your Points balance immediately. Please see Ascend Rewards Terms and Conditions for all program details.
2. Introductory 10,000 bonus points offer applies when $1,000 is spent on the card within the first 90 days of account opening. Upon meeting this requirement, bonus points will be automatically deposited into your rewards account.
3. 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 transfer APR.
4. 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 Terms and Conditions
These are summary descriptions only. Additional terms, conditions, restrictions and exclusions may apply. Contact Sandia Area for complete coverage terms and conditions. Please see Ascend Rewards Terms and Conditions for all program details.
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.
