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73

Consumer Credit Card

Sandia Area Federal Credit Union

NationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
8.49–17.99%
Annual fee
None
0% intro
2.99%
0% transfer
3.99%
Foreign fee
1%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
17.99%
620–719
11.99%
720+
8.49%
Lowest offered8.49%
Median11.99%
Highest offered17.99%

Introductory purchase APR

Promotional window: 12 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered2.99%
Median2.99%
Highest offered2.99%

Balance transfer APR

Promotional window: 12 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered3.99%
Median3.99%
Highest offered3.99%

Cash advance APR

No score
—
≤619
17.99%
620–719
11.99%
720+
8.49%
Lowest offered8.49%
Median—
Highest offered17.99%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance charge$25
Balance computationAverage daily balance excluding new purchases
Additional fees
Card Replacement Fee$5
Returned Payment Fee$25
Rush Fee$30

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Debt cancellation coverage
  • Discounts on purchases of goods and services (non travel related)
  • Extension on manufacturer’s warranty
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Rewards offered on separate credit card products

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 3.99%$99.75
You save$500.25

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 11.99% afterwards.

Cost to carry a balance
Interest for a year at 11.99%$359.70
Annual / periodic fees$0
Total yearly cost$359.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

4 documents filed by Sandia Area Federal Credit Union in the 2026 Q1 archive.

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