Detected in the CFPB-filed cardholder agreements from Sandia Area Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
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“…06, 08, 11, ALL RIGHTS RESERVED March 18, 2022 XNMAA0 (BXCM22 )-e The Margin may be different for purchases, cash advances, balance transfers and any penalty rate. The Margins and Interest Rate applicable to your account are disclosed in this Addendum and may be subject to minimum and maximum Interest Rates. In…”
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.