Rewards programs

Servus Circle Rewards

What one Servus Circle Rewards point is worth and the cards that earn the most.

Cards that earn these points

Ranked by annual net value on the standard reference basket ($36,000 of spending a year), annual fees fully deducted.

Rank	Card	Network	Annual fee	Annual net value	Earning	Limitations
1	Servus World Elite Mastercard	Mastercard	$150	$570 Range: -$150 to $570	Everyday purchases: 2 points / $ (2¢ per dollar)	Foreign exchange fee assumed Cap: Everyday purchases
2	Servus Credit Union - Gold Mastercard	Mastercard	$75	$285 Range: -$75 to $285	Everyday purchases: 1 point / $ (1¢ per dollar)	Foreign exchange fee assumed Cap: Everyday purchases
3	Servus Credit Union - No Fee Mastercard	Mastercard	$0	$180 Range: $0 to $180	Other purchases: 0.5 points / $ (0.5¢ per dollar)	Foreign exchange fee assumed Cap: Everyday purchases

Return computed with the value used for the ranking: 1.0¢ per point.

More details

“As many as 2 points per $1 you spend (a 2% value) based on the rewards Mastercard you hold.”

View the source

Servus states the value through its earn rate; the program rules give points no cash value and let Servus change redemption values.

Programs do not issue the same number of points per dollar: to compare two programs, look at the return per dollar spent, not the value of a point.

Excerpts are quoted in the language of their source.

Browse the routes of the travel catalogue evaluated with Servus Circle Rewards, without ever passing a balance in the address.

The redemption options the program publishes, with the value of a point when it is fixed.

Verification covers the quoted excerpt. Confirm your eligibility and the conditions with the program before using your points.

This program publishes no transfer partner.

Current offers on the cards of this program. Their value is not part of the ranking above.

Servus World Elite Mastercard 250 Servus Circle Rewards points 12-month net value: -$150

The ranking compares the cards of one program on a single scenario, so the gaps come from the cards and not from the assumptions.

Reference basket, standard level: $36,000 of spending a year, spread over everyday categories.
High-spend profile: ranking calculated on the reference basket.
Annual fees fully deducted from the value.
Welcome offers excluded: only the recurring value counts.

Your spending is different? See the best cards by use or the strategies by profile.

Cards are ranked on the standard reference basket of a high-spend profile; your actual spending may change the order.
Recurring annual fees are fully deducted from each card’s value.
Transfer partners and rates are those read on the official pages; a program may change them without notice.
The value of welcome offers is not part of the card ranking.