Rewards
Base earn rate1 point for every $1 spent on eligible purchases
ProgramServus Circle Rewards
Welcome bonusNone
Rewards typepoints
Fees & rates
Annual fee$75
Additional card$75
Purchase interest rate16.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Virtual Gurus
⭐
H&R Block
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
trip cancellation
Included — see issuer for details.
🛡️
trip interruption
Included — see issuer for details.
🛡️
baggage delay
Included — see issuer for details.
🛡️
common carrier accident
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
🛡️
hotel burglary
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident