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Canada · personal card · Servus Credit Union

Servus No Fee Mastercard review

No-fee Mastercard earning 1 Servus Circle Rewards point per $2 on eligible purchases.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply

Key facts

Issuer
Servus Credit Union
Network
Mastercard
Annual fee
$0 (No annual fee; $0 supplemental)
Purchase rate
20.99%
Foreign transaction fee
2.5%
Minimum personal income
Not stated
Minimum household income
Not stated
Available in Quebec
Not stated
Insurance
Baggage Delay Insurance; Common Carrier AD&D
Est. net value / yr
$150 ($150 rewards − $0 fee)
Points value
Servus Circle Rewards at 1¢ CAD each

Rewards

No-fee Mastercard earning 1 Servus Circle Rewards point per $2 on eligible purchases.

Earn rates the issuer states: base 0.5 pts · everyday 0.5 pts.

How we put this page together

Every figure here was read on Servus Credit Union’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Income, cash advance APR and FX fee not on page. FX fee read on issuer document: https://servus.ca/media/qscjjs3d/cost-of-borrowing-disclosure-statement-personal.pdf

Frequently asked questions

What is the annual fee on the Servus No Fee Mastercard?

$0 (No annual fee; $0 supplemental), as read on Servus Credit Union’s website on October 7, 2026.

Is there a foreign transaction fee on the Servus No Fee Mastercard?

The issuer states a 2.5% foreign currency conversion fee.

What income do I need for the Servus No Fee Mastercard?

The issuer’s page did not state a minimum income when we read it.

More Servus Credit Union cards

  1. #1

    Servus Gold Mastercard Servus Credit Union

    Net $225/yr

    Earns 1 Servus Circle Rewards point per $1 (1% value) with travel medical, trip and car rental insurance.

    Earn: base 1 pts · everyday 1 pts

    Annual fee
    $75 ($75 annual fee; $0 supplemental card; 25% of fee returned as Profit Share cash)
    Est. net value / yr
    $225
    Welcome offer
    5,000 Servus Circle Rewards points (value $50) with a new card
    Purchase rate
    20.99%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  2. #2

    Servus Low Rate Mastercard Servus Credit Union

    Low-rate Mastercard with a 12.99% purchase rate; no rewards earning stated.

    Annual fee
    $30 ($30 annual fee; $0 supplemental; 25% of fee returned as Profit Share cash)
    Purchase rate
    12.99%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  3. #3

    Servus World Elite Mastercard Servus Credit Union

    Net $450/yr

    Earns 2 Servus Circle Rewards points per $1 on eligible purchases (2% value), with travel and purchase insurance, concierge and Mastercard Travel Pass.

    Earn: base 2 pts · everyday 2 pts

    Annual fee
    $150 ($150 annual fee; $40 supplemental card; 25% of fee returned as Profit Share cash)
    Est. net value / yr
    $450
    Welcome offer
    25,000 Servus Circle Rewards points (value $250) with a new card
    Purchase rate
    20.99%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026

Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.