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4 cards side by side

No Fee Mastercard vs Servus Personal Gold Mastercard vs Servus Personal Low Rate Mastercard vs Servus Personal World Elite Mastercard

At a glance
  • Lowest annual fee: No Fee Mastercard — C$0, vs Servus Personal Gold Mastercard C$75, Servus Personal Low Rate Mastercard C$30 and Servus Personal World Elite Mastercard C$150.
  • Purchase interest (APR): not confirmed for Servus Personal Low Rate Mastercard, so we don't say which is lower.
  1. No Fee MastercardServus Credit Union3 of 8 facts on file · annual fee checked Sep 2026
  2. Servus Personal Gold MastercardServus Credit Union4 of 8 facts on file · annual fee checked Sep 2026
  3. Servus Personal Low Rate MastercardServus Credit Union3 of 8 facts on file · annual fee checked Sep 2026
  4. Servus Personal World Elite MastercardServus Credit Union4 of 8 facts on file · annual fee checked Sep 2026
Annual feePer year. Lower is marked only when every fee has been verified against the issuer.
No Fee Mastercard
C$0LowerNo annual fee
Servus Personal Gold Mastercard
C$75
Servus Personal Low Rate Mastercard
C$30
Servus Personal World Elite Mastercard
C$150
Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.Not confirmed for Servus Personal Low Rate Mastercard, so no card is marked lower.
No Fee Mastercard
20.99%
Servus Personal Gold Mastercard
20.99%
Servus Personal Low Rate Mastercard
Not confirmed
Servus Personal World Elite Mastercard
20.99%
Listed underThe sections of this site the card appears in.
No Fee Mastercard
Not confirmed
Servus Personal Gold Mastercard
Travel Insurance, Welcome Bonus
Servus Personal Low Rate Mastercard
Low Interest
Servus Personal World Elite Mastercard
Travel Insurance, Welcome Bonus
NetworkSame on allWhere the card is accepted.
No Fee Mastercard
Mastercard
Servus Personal Gold Mastercard
Mastercard
Servus Personal Low Rate Mastercard
Mastercard
Servus Personal World Elite Mastercard
Mastercard
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Not confirmed for any of these cards: Foreign transaction fee, Top earn rates, Welcome offer, Rewards program. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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Your cards · 4 of 4
  • No Fee Mastercard
  • Servus Personal Gold Mastercard
  • Servus Personal Low Rate Mastercard
  • Servus Personal World Elite Mastercard
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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

No Fee Mastercard reviewServus Personal Gold Mastercard reviewServus Personal Low Rate Mastercard reviewServus Personal World Elite Mastercard review
Questions

Frequently asked

Which is cheaper, No Fee Mastercard or Servus Personal Gold Mastercard or Servus Personal Low Rate Mastercard or Servus Personal World Elite Mastercard?

On annual fee, No Fee Mastercard is the lower-cost option. Weigh the fee against the rewards and perks each card actually delivers for your spending.

Can I hold No Fee Mastercard, Servus Personal Gold Mastercard, Servus Personal Low Rate Mastercard and Servus Personal World Elite Mastercard at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in Canada?

Every card in this comparison is issued for Canada. Approval depends on each issuer's credit and income criteria.