Credit Cards

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 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. 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 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.

4. 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. 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 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. Points recorded and 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 Program Sponsor and Program 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 Program 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. 

5. APR = Annual Percentage Rate. 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. Rewards are good for the life of the account. Rewards may be lost if the account is closed. 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. If for any reason your account is closed, including but not limited to account is in default, inactivity or moving to another Sandia Area Federal Credit Union Credit Card, you will forfeit your cash back balance immediately. 

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. 

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.