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American Express Serve® FREE Reloads

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This prepaid debit card offers free reloads at over 45,000 locations, and you can get it for free online. There’s a $6.95 monthly fee (No fee in TX, NY, VT), a $0.75 ATM decline fee, and a 2.7% foreign transaction fee, along with some other potential fees.

American Express is a Credit Card Insider advertiser.

Our rating
Min. credit level: No credit check required
Annual Fee: $6.95 monthly fee (No fee in TX, NY, VT)

American Express Serve® FREE Reloads

Our rating
No credit check required Min. credit level
$6.95 monthly fee (No fee in TX, NY, VT) Annual Fee
Apply Now

Highlights & Features

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® FREE Reloads


  • No credit check
  • Free reloads at over 45,000 locations
  • No minimum balance required
  • Purchase Protection
  • Fraud Protection
  • 2.7% foreign transaction fee
  • $6.95 monthly fee (No fee in TX, NY, VT)

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 card costs up to $3.95 at retail stores, but if you open an account online you can get it for free. You’ll have a $6.95 monthly fee (No fee in TX, NY, VT).

You can reload your card for free at over 45,000 locations like CVS, Dollar General, Family Dollar, Walmart, etc.

There’s no inactivity fee, and you’ll even get Purchase Protection and Fraud Protection, which aren’t always standard on prepaid cards.

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