Cash Back
Travel Rewards
Premium / High-End
World Elite® Mastercard®
Servus Credit Union
Welcome Bonus:
Receive 25,000 Servus Circle Rewards points with a new Servus World Elite Mastercard — a value of $250.
Balance Transfer:
3.99% Promotional Balance Transfer Rate
Annual Fee
$150
Purchase APR
20.99%
Bonus Value
$250
RateBuddy Verdict
The Good
- Outstanding flat 2% earn rate (2 points per $1) on all eligible purchases with no confusing categories.
- Includes premium lifestyle and travel benefits like Mastercard Travel Pass (DragonPass) and a Concierge service.
- Generous 25,000 point welcome bonus ($250 value) easily offsets the annual fee for the first year.
The Trade-offs
- Carries a premium $150 annual fee and a $40 fee for each supplementary card.
- Points redemptions are tied to the Servus ecosystem (though they offer excellent flexibility including investments).
Rewards & Earnings
Base Rate
2%
Rewards Summary:
• Earn 2 points for every $1 spent on all eligible purchases (2% back in value)
• 25% of annual fee returned in Profit Share® Rewards Cash paid each year
• Unlimited Circle Rewards earning potential with points that never expire
Welcome Bonus Details
Receive 25,000 Servus Circle Rewards points with a new Servus World Elite Mastercard — a value of $250.
Estimated Value: $250
Features & Benefits
Airport Lounge Access
Mastercard Travel Pass (DragonPass)
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
Concierge Service
Concierge service included
Baggage Delay/Loss Insurance
Baggage Delay Insurance included
Common Carrier Accident Insurance
Common Carrier AD&D included
Insurance Coverage
• Travel Emergency Medical & Baggage Delay Insurance
• Trip Cancellation & Interruption Insurance
• Car Rental CDW, Personal Effects & AD&D
• Common Carrier & Accidental Death Insurance
• Purchase Assurance & Extended Warranty
Rates, Fees & Eligibility
| Purchase APR | 20.99% |
|---|---|
| Cash Advance APR | — |
| Annual Fee | $150 |
| Supplementary Card Fee | $40 |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Cash Back
Travel Rewards
Premium / High-End
Rewards
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