American Express® Serve®

For People with
No Credit



The Serve® card is a prepaid 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.

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 has the same benefits as the Serve plus free cash reloads at over 45,000 locations. The Serve Cash Back has 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




How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $1 Monthly Fee (no fee NY, TX & VT)*
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 -
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.

Visitor Reviews

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

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Average rating:  
 68 reviews
by Gregory Owens
Sorriest card out there even worse than green card

Do not and I mean do not purchase this card go to green card even though u have to pay to add money cause this card steals ur money anyway and will not replace money on a dispute plus they gave out my social security num and 10 more people opened a card in my name and stole the money I had on my card all I can say is beware beware beware they will steal ur money don’t know if it’s a employee or the way the company does business but stay away stay away stay away or u will get screwed!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!&&&&///:::::::::::::::

by ed
Not hearing / speech impaired friendly

They have no email or TDD contact so speech and hearing impaired customers are without support. The unregistered debit card is good for internet purchases in that it protects from identity theft. Some sites require in addition to delivery address a billing address, on an unregistered card there is no billing address. Putting you delivery address as billing get the return “billing address does not match” so there is a billing address but customer does not know it. Billing address info not on their website.Some locations require a zipcode and this info is also not on their website.The call center operator cannot understand me well enough, speech impaired, to understand my request for info.

by MommyChefOf8

Ok so i have read most of all the comments i truly belive far as the $5.95 fee or the no protection might seriously have something to do with where the company is at. Meaning.. I got the Serve card back in 2012-13 and i think thats about the time they were out. So you know in the beginning stages in order to grab the clientel they will give HUGE offers that will eventually dissolve(so sad to say) thats the same like tv internet and phone companies the wheel you in then once they are at the top you start to see the decline from customer service then it goes from humans to robots from free to charging. Im a MetroPcs customer and the only reason i chose them is because i know if my dd hasnt loaded on time you can get a 48 hour extentsion with talk text and web NOW you can talk and text but that internet smoooooove off😂😂 why? Because why should they be the only "assholes" of the phone biz to be giving away 2 days worth of free service when the comps only give 24 or none!! So guys i would say this RESEARCH EVERY LAST ONE OF THESE PREPAID CARD COMPS because some are worth it and some arent but you gotta see which one is worth having.

by Tish Gilbert

So I did my brother's taxes on Taxslayer and he didn't have a bank account and so he chose the card to get his refund of $1389 loaded onto this card... I thought AMEX can't go wrong... boy was I ever wrong... I did his taxes got an email from the IRS saying the money was loaded on April 19th... It's now August 8th we still haven't received his taxes... they keep giving us different reasons as to why... we have sent various faxes with personal information and they keep saying they haven't received it...even though our fax machines all say they have... I'm convinced we are never getting his money...

by KDNivas
No Fraud Protection Watch Out!

American Express Serve is nothing like American Express. The customer service is terrible. Also, I was in the phone with them reporting fraudulent activity as it was happening. They saw it come up on their end. Said, don’t worry we are making a report. 2 days later my claim was rejected and the account was closed. They said it was because I abused the card by reporting false activity. I’m out $416! What a bunch of lies. Oh! They will hang up on you too. Fraud protection?! Don’t use this card. I’m reporting them to the trade commission.

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