Travel Rewards
Rewards
Gold Mastercard®
Servus Credit Union
Current Welcome Offer
Receive 5,000 Servus Circle Rewards points with a new Servus Gold Mastercard.
Annual Fee
$75
Purchase APR
20.99%
Welcome Bonus
~$50
RateBuddy Verdict
The Good
- Offers a highly comprehensive travel insurance package including Emergency Medical, Trip Cancellation, and Car Rental CDW for a moderate fee.
- Welcome bonus of 5,000 points ($50 value) covers most of the first year's annual fee.
- Earns a straightforward 1% value on all eligible purchases, with unique redemption options like Circle Rewards GICs.
The Trade-offs
- Does not offer accelerated earn categories (multipliers) for everyday spending like groceries or gas.
- The $75 annual fee is not waived for the first year (though the Profit Share return softens it slightly).
Rewards & Earnings
Base Rate 1.00%
Rewards Summary: • Earn 1 point for every $1 spent on eligible purchases (1% back in value)
• 25% of annual fee returned in Profit Share® Rewards Cash paid each year
• Unlimited earning potential with points that never expire
- All Eligible Purchases: 1 point for every $1 spent (1% value)
- Profit Share® Rewards: 25% of the annual fee is returned in cash each year
Welcome Bonus Details
Receive 5,000 Servus Circle Rewards points with a new Servus Gold Mastercard.
Estimated Value: $50.00
Features & Benefits
Travel Medical Insurance
Travel Emergency Medical Insurance included
Car Rental Collision/Loss Damage Waiver
Car Rental Collision Damage Waiver included
Trip Cancellation/Interruption Insurance
Trip Cancellation & Interruption Insurance included
Extended Warranty Insurance
Extended Warranty included
Purchase Security Insurance
Purchase Assurance included
Baggage Delay/Loss Insurance
Baggage Delay Insurance included
Common Carrier Accident Insurance
Common Carrier AD&D included
Additional Perks
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Insurance Coverage
Travel Medical
Travel Emergency Medical Insurance included. Underwritten by ABIC/ABLAC.
Trip Cancellation/Interruption
Trip Cancellation and Trip Interruption Insurance included. Underwritten by ABIC/ABLAC.
Car Rental Coverage
Collision Damage Waiver, Personal Effects, and Accidental Death & Dismemberment Insurance included for rentals.
Baggage Delay
Baggage Delay Insurance included. Underwritten by ABIC/ABLAC.
Common Carrier / Accidental Death
Common Carrier Accidental Death and Dismemberment Insurance and Accidental Death Insurance included.
Purchase Assurance & Extended Warranty
Included for eligible purchases made with the card.
Rates & Fees Details
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | % |
| Annual Fee | $75 |
| Supplementary Card | $0.00 |
| Income Required | No specific requirement listed. |