Ascend Rewards Mastercard®
Earn UNLIMITED points on every purchase with no categories or catches.1
Take your spending to new heights with 1 point for every $1 spent—redeemable for shopping, travel, experiences, and more.
Introductory
Earn 10,000 points2
When you spend $1,000 in the first 90 days. Keep earning with 1 point for every dollar spent.
Introductory Balance Transfer
3.99% APR3
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 10.74%–17.99%4—with no annual, balance transfer, or cash advance fees.
Choose How You Redeem Your Points
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
Donate cash to a local or national charity with your points.
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
Mastercard® Benefits, Always Included
Every Sandia Area credit card has built-in Mastercard® benefits for added security and convenience.
Enjoy peace of mind with zero liability protection* for unauthorized purchases.
Recover faster with free ID Theft Resolution Services if your identity is compromised. Click to enroll for free
Make purchases securely with tap to pay.
Price Protection: score the best deal, even after you buy.
Get help anywhere with global emergency services and travel assistance services.
Rental Car Insurance: stay protected on the road with damage coverage.
Shop & Earn: Enroll in this program, shop at participating retailers, and boost your cash back earnings up to 5% (varies based on offer and retailer). Sign In
Explore the Sandia Area Mastercard® Family
Access Rewards Mastercard
Enjoy a fantastic low rate with NO annual fees and NO balance transfer fees.
Cash Back Rewards Mastercard
Earn UNLIMITED 1.5% cash back5 on every purchase with no categories.
Business Cash Back Rewards Mastercard
Built for business! Earn UNLIMITED 1.5% cash back5 on every purchase with every card.
CALL
Reach out to a Member Service Representative for assistance at 505.292.6343, or Toll Free at 800.228.4031
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.
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 cap limits on the number of points cardholders can earn.
2. 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.
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 normal purchase APR given upon approval.
4. APR = Annual Percentage Rate. Rate effective as of 01/01/2025. 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. All consumer loans are charged simple interest with no pre-payment penalty. See important credit card terms here.
*See mastercard.com/zeroliability for details on Zero Liability.
5. APR = Annual Percentage Rate. Unlimited 1.5% cash back is earned when you use your Sandia Area 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.
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.
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