Cash Back Rewards

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. Unlimited 1.5% cash back is earned when you use your Sandia Area Cash Back Rewards Mastercard or Business Cash Back Rewards Mastercard for point of sale and online purchases. Cash advances and balance transfers used to access your account are not considered purchases and are not eligible for cash back rebates. To be eligible to redeem Cash, the cardholder’s account must be open and cannot have any other status preventing authorizations. Only active cardholders may redeem cash. If for any reason your account is closed, including but not limited to abuse, fraud, violation of the Terms and Conditions, account delinquency or default the cash back balance will be forfeited. Cash back is earned on the net purchases (i.e., purchases minus credits, returns and adjustments). Net purchases are rounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the cash back value of the transaction in question may be deducted from the cash back total during the dispute period. If the transaction is reinstated, the cashback will also be reinstated. Cash back is 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). 

Cash back cannot be combined with any other loyalty/frequency program that is not managed by Sandia Area. Cash back 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. Cash back cannot be bought, sold, or transferred in any way, including, but not limited to, transfers through inheritance or divorce. Redeeming cash back will lower the account balance but do not count toward your minimum monthly payment.  Your minimum monthly payment will still be required.

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 12/12/2025. 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.