Balance Transfers Made Easy

A balance transfer lets you move high-interest credit card debt to a Sandia Area Mastercard® with a lower rate—so you can pay down debt faster and save on interest.

With a Sandia Area Mastercard®, you can transfer your balance and save with an introductory

3.99% APR¹

For the first 12 billing cycles on transfers made in the first 60 days of account opening. After that, enjoy your approved variable APR of 8.74% - 17.99%.²

Learn more

How to Complete a Balance Transfer

What You'll Need to Complete a Balance Transfer 

Before getting started, make sure you have the following information handy:

• The name of the creditor you’re transferring a balance from
• The account number for that creditor
• The amount you’d like to transfer

To complete a balance transfer, you’ll need a Sandia Area Mastercard® in good standing with enough available credit to cover your transfer.

Start Saving with Introductory 3.99% APR Balance Transfers

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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. APR = Annual Percentage Rate.
1. 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.

2. 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 credit card terms here.

3. 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.

4. 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. 

5. 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.

These are summary descriptions only. Additional terms, conditions, restrictions and exclusions may apply. Contact Sandia Area for complete coverage terms and conditions. Please see Cash Back Rewards Terms and Conditions for all program details. 

Mastercard, Priceless, and the Mastercard brand mark are registered trademarks and Fuel Rewards Network, used pursuant to a license.