Rewards
Base earn rate1 point for every $2 spent on eligible purchases
ProgramServus Circle Rewards
Welcome bonusNone
Rewards typepoints
Fees & rates
Annual fee$0
Purchase interest rate20.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Mastercard Identity Check verification for online transactions
⭐
H&R Block benefit
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
baggage delay
Included — see issuer for details.
🛡️
common carrier accident
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident