Introductory Offers
Enjoy an introductory 2.99% APR1,2 on all purchases for 12 months with your new Sandia Area Low-Rate Mastercard.
OR
Earn 10,000 points3 when you spend $1,000 in the first 90 days with your Rewards or World Rewards Mastercard.
Sandia Area
Mastercard® Family
Low-Rate Mastercard
Discover a straightforward, low-rate credit card that's both classic and reliable. Choose between the traditional design or our eco-friendly permaculture option, perfect for those who value sustainability and community care.
Rewards Mastercard
Get ready to be rewarded with our stylish black card. Enjoy great rates and earn 1 point for every $1 spent. Redeem points for rewards, unique experiences, and discounts right at the counter.4
Get Rewarded
Make the most of your credit with the Rewards and World Rewards Mastercard! Every transaction earns you valuable points—1 point for every $1 you spend with NO LIMITS.4
Redeem your points your way
Pay with Points
Swipe at participating retailers and choose to convert your points into an instant discount right at the register.5
Save and Redeem
Choose a more traditional way to use rewards—save up and redeem those points for:
- Merchandise
- Travel
- Games
- Gift Cards
- Charitable Donations
- And more!
Compare & Decide
There is a card for everyone! Your new Mastercard comes packed with benefits. Whether you are shopping across town or across the ocean you are covered with travelers benefits and shopper security. Plus, there are no hidden rates or fees.
| Low Rate Mastercard | Secured Mastercard | Rewards Mastercard | World Rewards Mastercard | |
|---|---|---|---|---|
| Annual Fee |
$0 |
$0 |
$0 |
$0 |
| Balance Transfer Fee |
$0 |
$0 |
$0 |
$0 |
| Cash Advance Fee |
$0 |
$0 |
$0 |
$0 |
| Fraud Zero Liability Protection* | ||||
| Chip (EMV) Technology | ||||
| Free ID Theft Resolution Services | ||||
| Global Emergency Services | ||||
| Airport Concierge | ||||
| Price Protection | ||||
| Extended Warranty | ||||
| Priceless Cities | ||||
| Car Rental Insurance | ||||
| Travel Assist Services | ||||
| Travel Accident & Baggage Delay | ||||
| Rewards with Every Purchase | ||||
| Pay with Points | ||||
| $0 Foreign Transaction Fee | ||||
| Mastercard Golf Services | ||||
| Luxury Hotels & Resort Discounts | ||||
| Travel Advisor |
Enroll your Sandia Area Mastercard into FREE identity theft resolution services!
Sandia Area is an Equal Opportunity Lender and membership is required. All loans are subject to credit approval. Rates can change without notice.
1. APR = Annual Percentage Rate. Rates and programs are subject to change without notice. 2. The 2.99% APR introductory offer is good for new low-rate cards only and 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 account. The 12-month 2.99% APR period for new purchases begins on the date of the first transaction performed during this period and continues until the end of the 12th billing cycle of the first transaction for that category. Beginning the 13th billing cycle, the APR on your account will convert to your normal purchase APR given upon approval. Balance transfers do not qualify for the 2.99% APR introductory offer. 3. Introductory 10,000 bonus points offer applies when $1,000 is spent on card within the first 90 days of account opening. Upon meeting this requirement, bonus points will be automatically deposited into your rewards account. Restrictions apply and program is subject to change without notice. 4. 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 cap limits on the number of points cardholders can earn. 5. A minimum purchase of at least $10.01 must occur before Pay with Points will activate. Cardholder must select “YES” before the purchase amount will be discounted. After the transactions, the reward points will be deducted from the member’s point balance.
These are summary descriptions only. Additional terms, conditions, restrictions and exclusions may apply. See your Guide to Benefits or World Card Guide to Benefits, contact Sandia Area for complete coverage terms and conditions or call 1-800-MASTERCARD for assistance. See mastercard.com/zeroliability for details on Zero Liability. See Travel Accident Insurance with Baggage Delay guide for information on the program.
Mastercard, Priceless and the Mastercard brand mark are registered trademarks and Mastercard Global Service, Mastercard Airport Concierge and Fuel Rewards Network are trademarks of Mastercard International Incorporated, used pursuant to a license.
All credit cards subject to credit approval. See important terms and conditions.