Canada · personal card · Servus Credit Union
Servus World Elite Mastercard review
Earns 2 Servus Circle Rewards points per $1 on eligible purchases (2% value), with travel and purchase insurance, concierge and Mastercard Travel Pass.
Key facts
- Issuer
- Servus Credit Union
- Network
- Mastercard
- Annual fee
- $150 ($150 annual fee; $40 supplemental card; 25% of fee returned as Profit Share cash)
- Welcome offer
- 25,000 Servus Circle Rewards points (value $250) with a new card
- 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
- Purchase Assurance and Extended Warranty; Travel Emergency Medical; Trip Cancellation; Trip Interruption; Baggage Delay; Common Carrier AD&D; Accidental Death; Car Rental Personal Effects; Car Rental Collision Damage Waiver; Car Rental AD&D
- Est. net value / yr
- $450 ($600 rewards − $150 fee)
- Points value
- Servus Circle Rewards at 1¢ CAD each
Rewards
Earns 2 Servus Circle Rewards points per $1 on eligible purchases (2% value), with travel and purchase insurance, concierge and Mastercard Travel Pass.
Earn rates the issuer states: base 2 pts · everyday 2 pts. Unlimited earning potential; points never expire
Perks
Mastercard Travel Pass; concierge; identity theft assistance; price protection; FlexiRoam, Fubo, H&R Block offers
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: Annual fee 25% returned as Profit Share Rewards cash each year (rate may vary). Income, cash advance APR and FX fee not on page. Bonus spend requirement not stated. 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 World Elite Mastercard?
$150 ($150 annual fee; $40 supplemental card; 25% of fee returned as Profit Share cash), as read on Servus Credit Union’s website on October 7, 2026.
Is there a foreign transaction fee on the Servus World Elite Mastercard?
The issuer states a 2.5% foreign currency conversion fee.
What income do I need for the Servus World Elite Mastercard?
The issuer’s page did not state a minimum income when we read it.
More Servus Credit Union cards
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%
- #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%
No-fee Mastercard earning 1 Servus Circle Rewards point per $2 on eligible purchases.
Earn: base 0.5 pts · everyday 0.5 pts
- Annual fee
- $0 (No annual fee; $0 supplemental)
- Est. net value / yr
- $150
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
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.