Compare & Decide
Lower rates. No hidden fees or gimmicks. HUGE benefits.
Free yourself once and for all from humongous bank credit cards and the hassles that go with them. Switch to a Sandia Area Mastercard® and you'll quickly appreciate what makes our cards unique.
There is a card for everyone! Packed with benefits your new Mastercard® will become your perfect companion. 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, no extra fees, no surprises and no nonsense!
Choose the Sandia Area Mastercard® that is right for you!
|Mastercard||Permaculture Mastercard||Rewards Mastercard||World Rewards Mastercard|
|Overview||Simplicity, convenience, worldwide acceptance, and an everyday low rate.||Reflect your values while helping to reinvest in the care of the earth.||Earn rewards on everyday purchases, redeemable for merchandise, airline tickets, cruises, hotel stays, and more.||Earn rewards while enjoying personalized services, an array of benefits, and perks specifically geared toward travelers.|
|No Annual Fee|
|No Balance Transfer Fees|
|No Cash Advance Fees|
|ID Theft Resolution Services|
|Global Emergency Services|
|Master Rental Insurance|
|Travel Assist Services|
|Travel Accident & Baggage Delay|
|Fuel Rewards Network|
|Rewards with every purchase|
|Luxury Hotels & Resorts|
|Luxury Travel Advisor|
|Effective Date: 09/21/2019|
|CREDIT CARD PROGRAM||Annual Fee, Balance Transfer or Cash Advance Fee2||APR1 2|
|World Rewards Mastercard® Variable||None||8.24% - 17.99%|
|World Rewards Mastercard ® Traditional||None||10.24% - 17.99%|
|Rewards Mastercard ® Variable||None||8.24% - 17.99%|
|Rewards Mastercard ® Traditional||None||10.24% - 17.99%|
|Permaculture Mastercard ® Variable||None||6.74% - 17.99%|
|Permaculture Mastercard ® Traditional||None||8.74% - 17.99%|
|Mastercard ® Variable||None||6.74% - 17.99%|
|Mastercard ® Traditional||None||8.74% - 17.99%|
|Secured Mastercard ®||None||11.50% - 17.50%|
Sandia Area membership required for all loans.
1. APR=Annual Percentage Rate accurate as of 09/21/2019 and are subject to change without notice. All loans, terms, and conditions are subject to credit approval. Actual interest rate charged is based on credit history which can only be determined upon receipt of application.