RateHerald

Our illustration, not the card’s design

Sandia Area Federal Credit Union credit card

Consumer Credit Card

No annual fee. 10,000 points after you spend $1,000 in 3 months. Purchase APR 8.49–17.99%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Sandia Area Federal Credit Union’s terms

Welcome offer

10,000 points

After you spend $1,000 on purchases in your first 3 months.

Spending it takes
$333 a month
for 3 months
Tracking since
Nov 1, 2026
history will chart every change

The bonus points are automatically deposited into the rewards account after the spending requirement is met.

  • Smaller than about 80% of the 44 other points bonuses we track.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$220$120
Typical spender$400$300
Heavy spender$760$660
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢.

$120a year

$220 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$300a year

$400 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$660a year

$760 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 70% of the 732 cards we track.

  • No annual fee, like about 100% of the 50 cards on our No annual fee list (see the list).
  • Lower top APR than about 90% of the 163 cards on our Sign-up bonuses list (see the list).

Other points cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Ascend Rewards

How you earn

1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • Airport Concierge Service at over 450 airports worldwide, including personalized Meet & Greet services and expedited security or customs.
  • Priceless Experiences offering exclusive experiences and offers through priceless.com.
  • Rental car

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APR12 months
Balance transfer APR
Cash advance APR
Late payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
None · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 1%. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
What is the purchase APR?
8.49–17.99% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there an intro APR?
2.99% for 12 months. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Is there a welcome bonus?
10,000 points after $1,000 in purchases in 3 months. · sandia.org, since Oct 5, 2026
Read the card agreement

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