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.