Servus Mastercard credit cards bring together competitive APR rates, a flexible rewards program, and straightforward application processes. Choose from Classic low-rate, Rewards earning, or Secured credit-building cards — all backed by Servus Credit Union member service.
The Servus Mastercard Classic from Servus Credit Union delivers the lowest APR in the card lineup — starting at 13.99 percent variable for members with strong credit profiles. There is no annual fee, no foreign transaction surcharge, and a 25-day grace period on new purchases when the prior statement balance is paid in full. The card reports to all three major credit bureaus monthly, helping members build and maintain credit history with responsible use.
The Classic card includes standard Mastercard benefits: zero-liability fraud protection, identity theft resolution services, and Mastercard ID Theft Protection that monitors credit file activity and alerts you to changes. Cardholders can lock or unlock the card instantly through the Servus mobile banking app, set travel notifications so purchases do not get flagged as suspicious while traveling, and view real-time transaction history from the online banking dashboard alongside their other Servus Credit Union accounts.
The Servus Mastercard Rewards card earns points on every purchase. General spending yields 1.5 points per dollar, while gas station and grocery store transactions earn an accelerated 3 points per dollar. Points have no expiration date while the account stays open and in good standing. The online rewards portal lets members redeem accumulated points for statement credits, travel reservations, brand-name merchandise, restaurant and retail gift cards, or charitable donations.
One thousand points convert to approximately ten dollars in redemption value. A member charging fifteen hundred dollars monthly — with two hundred of that at gas stations and four hundred at grocery stores — would accumulate roughly 2,550 points per month, or enough for about three hundred dollars in annual statement credits. The Rewards card carries a variable purchase APR from 15.99 percent to 22.99 percent depending on credit profile. The annual fee is thirty-five dollars, waived for members who maintain a Servus Credit Union checking account with direct deposit.
The Servus Mastercard Secured card helps members establish or rebuild credit with a refundable security deposit that sets the credit limit. Deposits start at three hundred dollars and can go up to five thousand dollars for members who want a higher spending limit. The deposit earns dividends in a separate secured savings account while it backs the credit line. After twelve months of on-time payments, Servus Credit Union reviews the account for graduation to an unsecured Classic or Rewards card, at which point the security deposit is refunded in full.
The Secured card carries a fixed 19.99 percent APR and a twenty-nine dollar annual fee. It reports monthly to Experian, Equifax, and TransUnion — the same credit bureaus as the unsecured cards — so responsible use directly contributes to building a positive credit history. The application looks at income and debt obligations rather than credit score, making the Secured card accessible to members with limited or damaged credit who have a steady income source and a Servus Credit Union membership.
Servus Mastercard holders can transfer existing credit card balances from other issuers to a Servus Classic or Rewards card. The balance transfer APR matches the card's standard purchase APR, and the transfer fee is three percent of the transferred amount with a five-dollar minimum. Periodic promotional offers — including reduced introductory rates for the first twelve months — appear on the promotions page accessible through the Servus Credit Union online banking portal.
The application process takes about ten minutes online. You will need your Social Security number, employment details including employer name and annual income, your residential address history covering the past two years, and your monthly housing payment amount. Most applications receive a decision within one business day. Approved cards arrive in the mail within seven to ten business days. Existing members applying through the Servus online banking platform can use pre-filled application data drawn from their membership profile, cutting the application time to roughly three minutes.
| Feature | Classic | Rewards | Secured |
|---|---|---|---|
| Purchase APR | 13.99% – 19.99% variable | 15.99% – 22.99% variable | 19.99% fixed |
| Annual Fee | None | $35 (waived with checking + direct deposit) | $29 |
| Rewards | None | 1.5x general / 3x gas & grocery | None |
| Balance Transfers | Yes (purchase APR + 3% fee) | Yes (purchase APR + 3% fee) | No |
| Credit Bureau Reporting | Monthly to all 3 bureaus | Monthly to all 3 bureaus | Monthly to all 3 bureaus |
| Security Deposit | None | None | $300 – $5,000 refundable |
| Foreign Transaction Fee | None | None | None |
| Grace Period | 25 days on purchases | 25 days on purchases | 25 days on purchases |
| Application Decision | Within 1 business day | Within 1 business day | Within 2 business days |
The Rewards card paid for my entire holiday gift budget last year through statement credits. Gas and groceries are my two biggest spending categories, and 3x points on those adds up fast. I pay the balance in full every month so the APR does not affect me, but for anyone carrying a balance, the Classic rate beats most national bank cards.
Servus Credit Union offers three Servus Mastercard products: the Classic card with a low APR and no annual fee for everyday spending, the Rewards card earning 1.5 points per dollar on all purchases with bonus categories for gas and groceries at 3 points per dollar, and the Secured card for members building or rebuilding credit with a refundable security deposit starting at three hundred dollars that sets the credit limit.
The Servus Mastercard Classic carries a variable APR ranging from 13.99 percent to 19.99 percent based on creditworthiness. The Rewards card APR ranges from 15.99 percent to 22.99 percent. The Secured card has a fixed APR of 19.99 percent. All Servus Mastercard products include a 25-day grace period on purchases when the previous balance is paid in full.
The Servus Mastercard Rewards program earns 1.5 points for every dollar spent on general purchases and 3 points per dollar on gas station and grocery store purchases. Points never expire while the account remains open and in good standing. Members can redeem points for statement credits, travel bookings, merchandise, and gift cards through the online rewards portal. One thousand points equals approximately ten dollars in redemption value.
Apply for a Servus Mastercard online through the credit card services page, by visiting any Servus Credit Union branch, or by calling member support at (555) 234-5678. The online application asks for your name, address, Social Security number, employment information, and annual income. Most applicants receive a decision within one business day, and approved cards ship within seven to ten business days.
Yes, Servus Credit Union offers balance transfers on the Servus Mastercard Classic and Rewards cards. The balance transfer APR is the same as the purchase APR for each card tier. A balance transfer fee of three percent of the transferred amount applies. The Consumer Financial Protection Bureau provides resources to help consumers evaluate balance transfer offers and understand the terms. Introductory balance transfer offers — including reduced rates for the first twelve months — are available periodically and listed on the promotions page inside online banking.
Every Servus Mastercard from Servus Credit Union integrates with your online banking dashboard after you complete the online banking login. Track purchases, view statements, and redeem rewards directly through personal online banking. The mobile banking app puts card controls — lock, unlock, travel notices, and transaction alerts — on your phone with online banking sign in protection including biometric authentication.
Pair your Servus Mastercard with a checking account for streamlined payments and a savings account for the Secured card's deposit. Set up account alerts to monitor every card transaction in real time. For large purchases or one-time payments, wire transfers and bill pay options complement card spending. Browse the knowledge base for guides on maximizing rewards points, understanding APR calculations, and navigating the credit card application. Visit the security center to review how Servus Credit Union protects card data with encryption, tokenization, and zero-liability fraud protection.
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