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SCAM ALERT: Sandia Area members are continuing to report fraudulent phone calls and text messages from people claiming to be Sandia Area member representatives. This includes spoofed phone numbers which appear to originate from Sandia Area. Please be aware that Sandia Area will NEVER initiate a phone call or text message asking for your online banking credentials or to request a transfer of funds. Learn more ► 

Thanks for Nothing

Sometimes, nothing is a good thing. With a Sandia Area Mastercard® you get:

  • $0 balance transfer fees
  • $0 annual fees
  • $0 cash advance fees

Apply Today

Save money when you switch to a Sandia Area Mastercard®. All our cards come with great low rates and the option to earn rewards. Plus, save even more with a 2.99% Introductory APR for six billing cycles.

Built-In Benefits of Your Sandia Area Mastercard®

Enjoy these following benefits, and more, with your new card.

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.

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.

Sandia Area is Federally insured by NCUA and is an Equal Opportunity Lender. Accounts subject to credit approval.1 See disclosures for rate, fee, and other cost information. Rewards are available only for new purchases made with the card: cash advances, checks drawn from the account, and balance transfers are excluded and do not earn credit toward rewards. Certain restrictions may apply. 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. ScoreCard Points valid for three years.

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 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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