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American Express Serve Cash Back®

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This prepaid card takes it a step further by offering rewards and Purchase Protection, which aren’t typically found on prepaid cards. You can get the card for free online, but there is a $7.95 monthly fee.

American Express is a Credit Card Insider advertiser.

Our rating
Min. credit level: No credit check required
Annual Fee: $7.95 monthly fee

American Express Serve Cash Back®

Our rating
No credit check required Min. credit level
$7.95 monthly fee Annual Fee
Apply Now

Highlights & Features


  • 1% cash back on all purchases

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee N/A
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee 2.7%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
  • Purchase Protection
American Express Serve Cash Back®


  • Unlimited 1% cash back on all purchases
  • No credit check
  • No minimum balance required
  • Purchase Protection
  • Fraud Protection
  • 2.7% foreign transaction fee
  • $7.95 monthly fee

American Express

American Express has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-954-0559 or

Try a different phone number
See all Issuer Cards

The American Express Serve Cash Back Prepaid Card attempts to bridge the gap between credit cards and prepaid cards, offering protections and rewards typically reserved for credit cards.

This card earns 1% cash back for every purchase you make, a pretty rare find on prepaid or debit cards. You’ll get Purchase Protection and Fraud Protection, also perks that you wouldn’t normally find on a card like this.

The card costs up to $3.95 at retail stores, but you can apply for free when you open an account online. You’ll have to pay a fee if you want to deposit cash to fund your account, but direct deposits and bank transfers are free. There’s a $0.75 fee for ATM declines, a 2.7% foreign transaction fee, and a $7.95 monthly fee.


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