American Express® Serve®

For People with
No Credit



The Serve card is a prepaid debit card backed by American Express. With the Serve prepaid account you may only spend up to the amount of money previously deposited, unless you have previously linked a backup account.

This card has a $6.95 monthly fee unless you direct deposit $500 or more each monthly statement period, or you live in Texas, New York, or Vermont in which case your fee is $0.

American Express offers two other Serve prepaid cards as well, the American Express Serve FREE Reloads Card, and the Serve Cash Back. The American Express Serve FREE Reloads has mostly the same features as the Serve, plus free cash reloads at over 45,000 locations. The Serve Cash Back has most of the same features as the Serve, but it also offers 1% cash back on all purchases, a rarity among prepaid cards.

Check your balance online

You can check the balance of a Serve card online at any time on the American Express website.

This is not actually a credit card!

Keep in mind prepaid cards do not help you build credit since they don’t report to the credit bureaus. If you have bad credit and would like to build credit, a secured card may be a better option.

Secured credit cards »

Credit cards for bad credit »

Card Quick Facts

Card Quick Facts

  • Your Full Service Reloadable Prepaid Account. (American Express Serve is not a credit card.)
  • No credit check. No minimum balance. No hidden fees.
  • FREE Direct Deposit gets you access to your money up to 2 days faster.
  • FREE ATM withdrawals at over 24,000 ATMs nationwide.
  • FREE Online Bill Pay and money management tools.
  • Enjoy American Express service and security 24/7. Shop online or off and get access to Card Membership benefits like Purchase Protection.*

For People with
No Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $6.95 Monthly Fee ($0 with $500 Direct Deposit)
Additional Cards Annual Fee -
Regular Purchase APR -
Intro Purchase APR -
Foreign Transaction Fee 2.7% after conversion to U.S. Dollars
Chip Technology None
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee -
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Global Assist Hotline®

    Assistance setting up services during travel emergencies, whether it be medical, legal, financial, or another emergency. Examples include medical and legal referrals, assistance with cash wires, passport replacement, missing luggage and more. Cardholders are responsible for third-party service provider fees.

  • Membership Experiences

    Tickets and savings to sporting events and entertainment.

  • Amex Offers

    A changing selection of special offers on dining, shopping, and more.

  • 24/7 Customer Service

    Access to customer support around the clock.

  • Transfer, Save, & Link for Free

    Transfer funds between cards for free, link a bank account for free,  and set aside money in reserves for free.

  • Free Sub-Accounts

    Set up as many as four free sub-accounts for individuals 13 years of age or older.

  • American Express Benefits

    This card comes with American Express benefits. You will be provided with a list of specific benefits when you get your card in the mail.

  • Fraud Protection

    Cardholders are protected against fraudulent charges.

  • FDIC Insurance

    Money in American Express Serve Accounts is eligible for FDIC insurance. Temporary card funds are not eligible.

  • Purchase Protection

    Provides coverage against theft and damage for up to 90 days for eligible items.

  • Roadside Dispatch

    24/7 help with roadside emergencies. Examples include towing, changing a flat, or boosting a battery. Cardholders are responsible for third-party service provider fees.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 89 reviews
by Daniel Costelo
Fraudulent Charge

Stayed at a hotel for 1 night back in June checked out the next day. 1 week later AX was charged over 300.00. I disputed the amount and SERVE came back with "this charge is valid no credit is due". I disputed it again asking for documentation of charges from merchant - same response "this charge is valid no credit is due". just got off the phone with SERVE and they disputed it again with their "back office" (lol) and asked the rep who by the way is from the phillipines why I can't talk with the back office and his reply was, "no one speaks to the back office" (lol) what a joke. this company is not legit and it is ripping people off left and right. So I asked the representative, "who can I speak to in the Us that is a manager -supervisor? same response, "there is no supervisor and if I did transfer they would give you the same answer" - WHAT A JOKE. I GUESS I WILL CANCEL MY ACCOUNT AND THEY CAN FIGURE OUT WHAT TO DO WITH THE 322.41 charge. I'm out.

by Kelly
So annoyed with this card

For the past 3 years I have used Go bank to have my pay checks and child support deposited. I ALWAYS received my money three days ahead of time. Well me being stupid and reading reviews of Go bank, got scared and decided to get the Serve card. I assumed since American Express has Been around for a million years they would stand behind their words even if it is a prepaid card.I got this card on the pretense that I would still receive my money two days early. Well it is now one day before my paycheck and child support are due to me and nothing. Why is it on my old card, I received everything early?? After this month, I will be switching back. I have bills that must be paid today, I need to get food and I'm mad as hell. I know they have my money so give it to me already.Also I cannot tell you how many places do not accept American Express. Don't get this card. You will be sorry

by Sonja
Terrible Card and Customer Service

When I first got this card it was wonderful, I even had my 2 daughters get this card as well as a friend and that was about 2 yrs ago. Since then things have gone down hill starting with missing money and HORRIBLE customer service, they have even hung up on me numerous times. I DON'T RECOMMEND THIS CARD TO ANYONE..I have to give a rating it is actually zero stars but I can't submit review without at least one star.

American Express SERVE

Research the number of fraudulent charges they have declined to refund to their clients. Consumer Affairs, and many other sites will tell you one story after another. They do not protect their clients and they are a disgrace. Story after story it is the same thing. Non speaking agents, they all pass the buck, you must WRITE a letter and they decline EVERYTHING.It is all true and this needs to be brought to light. I also understand that SERVE has not proved to be a money maker for AMEX, so is this their way of staying afloat? Declining refunds to people who have their money stolen? i am out 233.00 from a week in Dec 2018 in which fraudulent charges were made ..2 at Exxon Mobil and 2 at WAWA in the Miami area which I have not been to. IMost importantly I STILL have the card in my posession which FTC mandates they must refund me, but here it is APRIL and they still not have complied.

by Tenisha

I really wish they had an option to put no stars. Besides the fact alot of places not accepting AMEX ive had the card for some time now. I lost my wallet and upon getting home and cancelling my cards I realized my card had been used. I immediately called customer service, i filed a dispute i received a new card in a day or so. I was told to wait 10 days to hear back, i waited. After 10 days i got an email stating my dispute was declined, i wrote to the P.O box on the email and never got a response. I recalled the bank and the only option for me was to filed another dispute which i did, and again i had to wait another 10 days. After exactly 10 days i received an email stating my dispute was declined yet again. I called the bank and they tell me only information they can see is the same thing i see in the email. This cant be real, a bank that has limited access to accounts. I spoke with a Supervisor and that didnt help, so yet again i filed another dispute for the 3rd time, I've written to the P.O box and never got a response, I'm really trying to be patient but we're talking about a wopping 800+ dollars that someone swiped my card for and im getting treated like i did something wrong. Im going to do everything that can be done to get my money back and im going to do away with this card because you have no Security with this company. I cant afford to take no losses. If anybody know anything to help my situation please dont hesitate to reach out. I'll keep you folks updated on how this all plays out.

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