Pros & Cons
Pros
- +Welcome Bonus: $250
Cons
- –High annual fee ($150/yr)
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
Our Review
The Servus World Elite Mastercard offers 2% on all purchases (2 Servus Circle Rewards points per $1, worth 1 cent each), with a welcome bonus of 25,000 points (~$250).
Annual fee of $150 (partially offset by Servus rebate). 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
$700
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% on all purchases (2 points/$1)
- Welcome bonus: 25,000 points (~$250)
- Annual fee of $150
- Purchase interest rate of 20.99%
- Alberta residents; in-branch application
Legal
*Conditions apply. Information sheet.
Related Cards
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. Milesopedia Bonus 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.