Pros & Cons
Pros
—
Cons
- –High annual fee ($150/yr)
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
Our Review
The Servus World Elite Mastercard earns 2% back on all purchases (2 Servus Circle Rewards points per $1, worth 1 cent each), with a 25,000-point (~$250) welcome bonus.
$150 annual fee (partly offset by Servus profit-sharing). From Servus, Alberta’s largest credit union.
Rewards
All Spending
2x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$600
$/yr
Estimated Value
$600
After Fees
+$450
1st Year Value
$450
incl. welcome bonus
Annual rewards breakdown
Interest Rates
- Purchase Rate20.99%
- Purchase rate (Quebec)20.99%
- Cash Advance24.99%
- Cash advance rate (Quebec)24.99%
- Foreign Transaction Fee2.5%
Eligibility
Personal Income
$80,000
Household Income
$150,000
Terms & Conditions
Card Features
- 2% back on all purchases (2 points/$1)
- Welcome bonus: 25,000 points (~$250)
- $150 annual fee
- 20.99% purchase interest rate
- Alberta residents; in-branch application
Legal
*Conditions apply. Informational listing.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Servus Credit Union. All trademarks are property of their respective owners.