Types of Servus credit cards
In 2022, Servus Credit Union ltd. offers both personal and business Mastercard credit cards with different benefits included.
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No Fee Mastercard®. A No Fee Mastercard® from Servus Credit Union features a zero annual fee, a 19.99% purchase rate, and an opportunity to earn one Servus Circle Rewards point for every $2 spent on eligible purchases except cash advances, balance account transfers, fees, fraudulent charges, or refunded purchases. Redeem your Servus Circle Rewards points towards travel, merchandise, credit card payments, or investment products. There is no supplemental card fee. Insurance coverages included in this Servus Mastercard credit card are baggage delay insurance and common carrier accidental death and dismemberment insurance.
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Low Rate Mastercard®. A Low Rate Mastercard® from Servus Credit Union features a low 11.99% purchase rate, baggage delay insurance, and common carrier accidental death and dismemberment insurance included, all for a $30 annual fee. There is no supplemental card fee for this Servus Mastercard credit card.
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Gold Mastercard®. A Gold Mastercard® from Servus Credit Union features a 19.99% purchase rate and an opportunity to earn one Servus Circle Rewards point for every $1 spent on eligible purchases except cash advances, balance account transfers, fees, fraudulent charges, or refunded purchases. Redeem your Servus Circle Rewards points towards travel, merchandise, credit card payments, or investment products. With a Gold Mastercard®, you can also get $18.75 back in Profit Share® Rewards cash each year. All these benefits are available to you for a $75 annual fee. In addition, this Servus Mastercard credit card provides extensive insurance coverage, including purchase assurance and extended warranty, travel emergency medical insurance, trip cancellation insurance, trip interruption insurance, baggage delay insurance, common carrier accidental death and dismemberment insurance, accidental death insurance, car rental personal effects insurance, car rental collision damage waiver insurance, and car rental accidental death and dismemberment insurance. There is no supplemental card fee.
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World Elite® Mastercard®. A World Elite® Mastercard® from Servus Credit Union features a 19.99% purchase rate, an opportunity to earn two Servus Circle Rewards points that never expire for every $1 spent on eligible purchases except cash advances, balance account transfers, fees, fraudulent charges, or refunded purchases, and $37.50 back in Profit Share® Rewards cash each year. In addition, this card provides you with exclusive privileges from Mastercard, such as Mastercard® Travel Pass provided by DragonPass, Mastercard Travel Rewards in a form of cash back, access to special offers and everyday discounts at Priceless.com, and free Wi-Fi at Boingo hotspots. A World Elite® Mastercard® also features extensive insurance coverage, including purchase assurance and extended warranty, travel emergency medical insurance, trip cancellation insurance, trip interruption insurance, baggage delay insurance, common carrier accidental death and dismemberment insurance, accidental death insurance, car rental personal effects insurance, car rental collision damage waiver insurance, and car rental accidental death and dismemberment insurance. The annual fee for this Servus Mastercard credit card is $150 for a primary cardholder, and the supplemental card fee is $40 per year.
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Business No Fee Mastercard®. A Business No Fee Mastercard® from Servus Credit Union is a Mastercard credit card for business owners featuring a zero annual fee and a 16.99% purchase rate. Insurance coverages provided by this Servus Mastercard credit card are purchase assurance and extended warranty, baggage delay insurance, common carrier accidental death and dismemberment insurance, personal effects insurance, car rental collision damage waiver insurance, and car rental accidental death and dismemberment insurance. There is no supplemental card fee.
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Business Low Rate Mastercard®. A Business Low Rate Mastercard® from Servus Credit Union features a floating purchase rate that is up to Prime plus 10.00%. Insurance coverages provided by this Servus Mastercard credit card are purchase assurance and extended warranty, baggage delay insurance, common carrier accidental death and dismemberment insurance, personal effects insurance, car rental collision damage waiver insurance, and car rental accidental death and dismemberment insurance. Both the primary and supplemental card fee is $75 per year.
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Business Rewards Mastercard®. A Business Rewards Mastercard® features a 16.99% purchase rate and an opportunity to earn two Servus Circle Rewards points that never expire for every $1 spent on eligible purchases except cash advances, balance account transfers, fees, fraudulent charges, or refunded purchases. Redeem your Servus Circle Rewards points towards travel, merchandise, credit card payments, or investment products. A Business Rewards Mastercard® card also features extensive insurance coverage, including purchase assurance and extended warranty, trip cancellation insurance, trip interruption insurance, baggage delay insurance, common carrier accidental death and dismemberment insurance, personal effects insurance, car rental collision damage waiver insurance, and car rental accidental death and dismemberment insurance. Both the primary and supplemental card fee is $75 per year.
How to apply for a Servus credit card
You can apply for a Servus Mastercard credit card by calling Servus Credit Union at 1.877.378.8728, requesting a callback, or in person at your local Servus branch. To request a callback, click the “Inquiry now” or “Get a callback” button on the credit card page and fill out the contact form. Once you do, wait for a Servus advisor to get in touch with you to assist you with your credit card application.
You can also apply for a Servus Mastercard credit card at your local Servus branch. To find a branch near you, go to the "Find a Branch or ATM" page and search by address, city, town, or postal code. Once you review the list of branches near you and find the one that works best for you, call Servus to book an appointment.
Pros and cons
Here are the advantages of Servus Mastercard credit cards:
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A range of options featuring different benefits — low rates, rewards, and zero fees
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An opportunity to redeem Servus Circle Rewards points that never expire towards Servus Mastercard credit card balance payment
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Valuable insurance coverages included
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Earning annual Profit Share® Rewards
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Making payments with your Servus Mastercard credit card from your mobile device using a digital wallet
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An opportunity to go paperless and receive an electronic statement
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Easy Servus Mastercard credit card account management through digital banking
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Servus Member Contact Center available 24 hours a day, 7 days a week
Still, there are certain disadvantages:
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No option to complete the entire application form online right away
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Servus credit cards are available to Alberta residents primarily
Requirements
To apply for a Servus credit card, you must be an Alberta resident of at least 18 years old.
When applying for a personal credit card, be sure to have a government-issued ID and employment information handy. If you are a student, prepare proof of enrollment as well.
When applying for a business credit card, be ready to provide corporate documents (including the declaration of Trade Name filed with Alberta Registries and Articles of Incorporation), Notice of Assessments for the last two years (both personal and business), business financial statements, and a personal net worth statement.
How to make a credit card payment
You can repay your Servus Mastercard credit card balance in any of the following ways:
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Pay a credit card bill from one of your Servus accounts through online or mobile banking
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Set up automatic credit card payments through online banking, at your local Servus branch, or over the phone at 1.877.378.8728
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Redeem your Servus Circle Rewards points that never expire towards your Mastercard balance payment
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Make a payment in person at your local Servus branch