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:  
 74 reviews
by Briana

This card is by far the worst ever I’ve ever had I receive my last direct deposit I’m closing this card. For good. My direct deposit has been delayed more times than I can count, then the fees for atm are horrible $5 every time ridiculous then I keep all my money in my reserved saving account I have been trying all day to move money so I can feed my damn kids. The site down the mobile app down as always customer service is horrible they do not care they say call back in 1 or 2 hours still problem not fixed American Express need to really be ashamed of themselves foreigners who have no respect because they are paid pennies on the dollar. I can’t wait to close this card I have a bank account I only used this card because it use to pay you ahead of time.

by Anonymous

I have had this card over 3 years and I never ever had trouble with direct deposit or the site being down. For the past year, I have had delayed direct deposit about 4 times (took 2+ days to receive my money). The site( mobile as well) has been down so many times I have lost count. So if you are dire need of moving money from your savings to your checking for an emergency you are out of luck. The Serve card has gotten worse and worse. I would steer away from it and go with something more reliable.

by James Moore
They no longer have live agents

With no live agents, they cannot give customer service. Not that their customer service was much help anyways. Not recommend

by Rashid ffrench
The slimiest business in the world

The worst customer service in the world and they will not help you if you ever need them because someone stole your money, in fact they try to do the opposite and here's how, I filed a claim for fraud on October the 31st, I called them back on the 13th of November to see why my $54 is taking so long to get back into my account, at that point i was informed that I need to fill out a fraud declaration form, which is basically a form for you to fill out and its the exact same information you have already told them when you start the claim on the phone, and remember the representative that starts your claim will never even tell you that they're going to send this form and there's a good reason for that as you will see, that's just the beginning of the BS , here's where it gets even more slimy, if you don't fill the form out within 10 business days of initiating your claim you cannot get a provisional credit at that point, you need to wait the full 45 days for any credit smh, and here's where it gets even more slimier for any company, I initiated my claim on the 31st they don't send me the fraud information email till the 12th of November and that's something that has to be sent back in to them filled out no later than 10 business days after you initiating the claim which i did on the 31st smh, and remember they don't even tell you when you initiate the claim to even look for an email, I was told about the email on the 13th when i called them,so they set you up to make sure the customer fails to get that info back to them within the 10 business days limit that they set, that way they don't have to give you any provisional credit or credit of any sort until after the investigation is done, so you'll wait at least 45 days to get your money back and that's it your claim was approved smh, so they will do everything in their power not to make you whole again after being robbed, so I will never do business with them again and I suggest no one that cares about their money do that too, if anything ever happens they're not helping you

by Wanda Howard
Horrible service

I was a customer of American Express Serve for 5 years. The ATM fees are ridiculous. The security and what u can and cannot do with this card is all for the benefit of American Express Serve. They have no concerns for their customers and are very rude when it’s time to answer questions about transactions on your account. My account was closed unexpectedly and without warning because I linked my husband’s debit card to my account. This was done after three months of using my husband’s card with my account for 4 months. So, when they closed it unexpectedly I was confused and shocked. The only thing they said to me was that I should write a letter to their office to get an answer about why my account was closed. I understand that there are rules and regulations for having a prepaid card, but the way I was treated after they made a decision to close my account was horrible. Do yourself a favor and get a normal bank account if you can.

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