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American Express® Serve®

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The information related to American Express® Serve® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

American Express is a Credit Card Insider advertiser.

Our rating
Min. credit level: No Credit
Annual Fee: $6.95 Monthly Fee ($0 with $500 Direct Deposit)

American Express® Serve®

Our rating
No Credit Min. credit level
$6.95 Monthly Fee ($0 with $500 Direct Deposit) Annual Fee
Apply Now Read our Review

Highlights & Features

Balance Transfers

A balance transfer is a way to move credit card debt from one credit 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

Fees

Penalty APR N/A
Late Fee N/A
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee 2.7% after conversion to U.S. Dollars
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit 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
American Express® Serve®

Highlights

  • 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.*
ABOUT THE ISSUER

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 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