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Enjoy all the benefits of a Mastercard® with a simple, low-rate card

Rewards with every purchase on select cards

Get one reward point for every dollar you spend. The more you use the card, the more rewards you’ll accumulate.1

Zero Liability

Pay only for purchases which you have authorized on your Mastercard®. Unauthorized purchases are not your responsibility.

EMV Chip Technology

You'll enjoy greater security when making purchases at a chip-enabled terminal since the chip provides better protection against counterfeit fraud. Learn More

Mastercard ID Theft Protection™

A benefit we offer all Debit and Credit Mastercard members is Mastercard’s ID Theft Protection. It’s free and it’s easy to enroll. Plus, once you sign up, you can add other accounts and credit or debit cards for monitoring, as well as email addresses, driver’s license numbers, and more.

The service offers:

  • ID Theft Alerts. ID Theft Alerts scours the Internet and alerts members if it detects that their personal info - credit or debit card, Social Security Number, driver's license or other sensitive data - is being bought or sold online.
  • Emergency Wallet Replacement. If members’ wallets, cards, or documents are lost or stolen, experts are here to help you get replacements right away.
  • Expert Resolution Services. Experts will guide members through what can be an overwhelming process, from filing an affidavit and cancelling accounts to notifying the major credit reporting agencies.

Learn More


MasterCard Global Emergency Services1

Provides 24 hours a day, seven days a week customer service assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, Emergency Cash Advance, as well as assistance with locating ATMs and help with account-related questions.­

Airport Concierge1

Arrange for a personal, dedicated Meet & Greet agent to escort you through the airport on departure, arrival or any connecting flights, 24/7/365 at over 450 destinations worldwide.

MasterCard Priceless® Cities1

Get insider access to one-of-a-kind experiences and offers in some of the world’s most exciting cities. See more here.

Master Rental Insurance1

Can provide reimbursement for physical damage to or theft of a rental vehicle. Not offered on Mastercard® Debit, Business Debit, or Business Credit cards.

MasterAssist Travel Assist Services1­

Can provide emergency travel assistance plus pre-trip destination information when traveling more than 50 miles from home. Not offered on Mastercard® Debit, Business Debit, or Business Credit cards.

Travel Accident Insurance with Baggage Delay

Covers against Accidental Death or Dismemberment and baggage delays if cardmembers purchase common carrier travel tickets with their Sandia Area World Mastercard®. Not offered on Mastercard® Debit or Business Debit cards.

World Benefits

The Sandia Area World Reward Mastercard comes with extra benefits designed with the traveler in mind. The card also comes with a $10,000 minimum annual spend amount.

No foreign transaction fees1

Enjoy no annual fee - something virtually unheard of with a World Rewards Mastercard®. You'll also incur no foreign transaction fees while enjoying the best currency exchange rates when using your card in other countries.

Mastercard Golf

Access to private clubs, savings on public courses and resorts, preferred pricing, exclusive programs and preferred booking opportunities on TOURAcademy® programs nationwide. Explore here.


Comprehensive personalized assistance anytime, anywhere. Provides personal assistance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment and sporting events; also provides executive services. Call 1-800-6-MASTERCARD to get started.

Luxury Hotels & Resorts Portfolio

Provides Sandia Area World Mastercard members access to a collection of exceptional properties where you can enjoy preferred amenities where available (e.g., room upgrade, early check-in, late check-out, or complimentary breakfast). Explore here.

Luxury Travel Advisor

Enjoy professional trip-planning services and access to high-quality, high-value vacation choices from a portfolio of internationally-recognized travel brands. Call 1-800-627-8372 to get started.


Accounts subject to credit approval.  1. See important Terms and Conditions.

These are summary descriptions only. Additional terms, conditions, restrictions and exclusions may apply. See your Guide to Benefits or World Card Guide to Benefits, contact Sandia Area for complete coverage terms and conditions or call 1-800-MASTERCARD for assistance. See mastercard.com/zeroliability for details on Zero Liability. See Travel Accident Insurance with Baggage Delay guide for information on the program.

Mastercard, Priceless and the Mastercard brand mark are registered trademarks and Mastercard Global Service, Mastercard Airport Concierge and Fuel Rewards Network are trademarks of Mastercard International Incorporated, used pursuant to a license. All third party trademarks referenced herein are the property of their respective owners. Mastercard, the Mastercard Brand Mark, Priceless and World Mastercard are registered trademarks and Mastercard ID Theft Protection, Mastercard ID Theft Alerts and Priceless Cities are trademarks of MasterCard International Incorporated. ©Mastercard. All third party trademarks belong to their respective owners.

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