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 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.

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:  
 81 reviews
by Marcus
No longer reload

They used to be great cards as far as loading money, spending quickly, and reloading and doing it all over again for free. Never had a problem, until recently. Now, they seem to be only one time cards, as every card that a clerk tries to reload: it fails at the last moment. It still is cheaper than most of the rest and you only need it once anyway. However, buying another card with every transaction makes it less attractive in comparison with how it used to be. Judging from the comments where direct deposit is used, I would not use this card for that! And, it is great, as of now, for store loading and using once and it used to be great at reloading.CHECKING YOUR MONEY ON YOUR CARD IS A LITTLE TRICKY: When they ask you for the last 4 digits of your social(Serve has no soc. sec. number associated with it), enter the CVC on the front--3 or 4 times. Eventually, they ask for that code and, then, it will give you your balance. It's not an error.

by Troy B

If you ever lose this card or it's stolen, you are screwed. My card was stolen and because you dont need a pin for purchases, someone wiped out my entire account. Someone went to multiple gas stations, some as many as 3 times in an 8 hour window making huge purchases, the very definition of suspicious activity, but nothing was flagged. I was told after an hour of trying to get through the automated crap to speak to an agent to file a fraud claim. They sent me a declaration of fraud form. On this form it asks for your card number. Because mine was stolen and I hadnt received a replacement card i listed my ss# and account #. I received an email saying my claim was denied because I did not list my card # on the form. I asked them how was I supposed to know the card # because it was stolen. Who memorizes credit card # ? They sent me a new form and the CSR told me to put the replacement card # on form. I was then denied again because there is a question on the form that asks do you have the card in your possession? Yes the replacement card but not the stolen card. The declaration of Fraud form is a catch 22 trap. They have no intention of doing an investigation, but deny you because of perceived "errors" on the form all of which wont be resolved in 10 days. My entire direct deposit, which was my rent money was wiped out with no resolution. Its an ok card but you have zero fraud protection. How can American Express Serve back such a sham and fraud?

by Jamie
Worst Product or Service of Any Company or Industry

Sometimes it works, sometimes it doesn't. Sometimes you get your money, sometimes you don't. Sometimes it takes weeks or even months. Customer service is condescending and insulting. Get anything else.

by Andrew Walden
Great card for internet purchases and hotels

I really do love this card. I have the green card which means no fees when I reload the card. Also, since I live in NY there is no monthly fee for me (same is also true for those in TX and VT). The no monthly fee is a major reason I decided to get this card because most other cards charge a monthly fee. However, if you do not live in 1 of these 3 states the monthly fee is $4.95/month. I also love the no reload fees, which means when I go into Dollar General or Rite-Aid and put $50 on my card the full $50 goes on, not $45 because of fees. I use the card mainly for internet purchases and to reserve hotel rooms because my credit is bad and I cannot get a credit card nor do I want a credit card because they just get me into financial trouble. I do not use Direct Deposit with this card so I can't speak for how that works, although I have read some complaints about delays with direct deposit and this card. But if you are looking for a good prepaid card without constantly having to spend extra fees to buy and reload that has your name on it and looks like a credit card this is the best card I've ever had.

by Amanda miller
They stole my tax refund

The IRS gave them my money to be delivered to mse in the form of a prepaid card. A year later and hours and hours of phone calls later, and i am basically being told nothing can be done and i will never ever get my money, over $1000.

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