Cash Back
Travel Rewards
Premium / High-End
World Elite® Mastercard®
Servus Credit Union
Current Welcome Offer
Receive 25,000 Servus Circle Rewards points with a new Servus World Elite Mastercard — a value of $250.
Annual Fee
$150
Purchase APR
20.99%
Welcome Bonus
~$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 2.00%
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
- All Eligible Purchases: 2 points for every $1 spent (2% value)
- Profit Share® Rewards: 25% of the annual fee is returned in cash each year
Welcome Bonus Details
Receive 25,000 Servus Circle Rewards points with a new Servus World Elite Mastercard — a value of $250.
Estimated Value: $250.00
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
Additional Perks
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Insurance Coverage
Travel Emergency Medical
Included. Underwritten by ABIC/ABLAC.
Trip Cancellation & Interruption
Trip Cancellation Insurance and Trip Interruption Insurance included.
Car Rental Coverage
Car Rental Collision Damage Waiver, Personal Effects Insurance, and Accidental Death & Dismemberment Insurance included.
Baggage Delay
Baggage Delay Insurance included.
Accidental Death & Common Carrier
Accidental Death Insurance and Common Carrier Accidental Death and Dismemberment 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 | $150 |
| Supplementary Card | $40.00 |
| Income Required | No specific requirement listed. |