American Express® Serve®

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 »

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  • Rewards


  • Signup Bonus None
  • Chip Technology None
  • Foreign Transaction Fee 2.7% after conversion to U.S. Dollars
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR -
  • Penalty APR -
  • Late Fee -
  • Returned Payment Fee -

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

This card comes with American Express benefits.  Below is what’s listed on the American Express website. You will be provided with a list of specific benefits when you get your card in the mail.


  • Membership Experiences: Tickets and savings to sporting events and entertainment.
  • Amex Offers: Special offers on dining, shopping, and more!
  • 24/7 Customer Service: Access to customer support around the clock.
  • Tranfer Funds Between Cards for Free
  • Link a Bank Account for Free
  • Set Aside Money in Reserve for Free


  • Fraud Protection: Cardholders are protected against fraudulent charges.
  • FDIC Insurance: Money in American Express Serve Accounts is eligible for FDIC insurance. Temporary card funds are not eligible.


  • Purchase Protection: Provides coverage against theft and damage for up to 90 days for eligible items.


  • Global Assist Hotline®: Assistance setting up services during travel emergencies, whether it be medical, legal, financial, or another emergency. Examples include medical and legal referrals, assistance with cash wires, passport replacement, missing luggage and more. Cardholders are responsible for third-party service provider fees.
  • Roadside Dispatch: 24/7 help with roadside emergencies. Examples towing, changing a flat, or boosting a battery. Cardholders are responsible for third-party service provider fees.

Unboxing Video

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Visitor Reviews

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

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Average rating:  
 61 reviews
by Javier
Laughable customer service, broken website

Incredibly poor customer service, and I have not really gotten started with them. I wanted a card like this for online purchases so I don't have to use my bank card, so I purchased the temporary Serve card, as its packaging stated I could create a permanent account online and receive a permanent card. Great; so I purchased the card (with the minimum $10 deposit, since the reviews do show some issues; better to try first before committing to real money), and went to the website. There is a FAQ regarding the temporary card that even gives you the link to register - clearly stating that you could enter the temporary card info there. I went to the link - hmmm nothing on that page about the temporary card, just the general account form; so I went ahead and registered for an account. After logging in to their website, I looked around - there is no way to link the temporary card while logged in. OK so their instructions are broken; customer service will resolve this, right? Wrong. I spoke to several reps, two of them supervisors, and they all read from the same script - I did it wrong, there is a button somewhere else on the page that takes you to the correct link. Well, that is wrong as well - that button is to create a new account - and indeed, it lets you link a temporary card, but now you have more than one account. I asked them to either link the card to the original account, or register me and delete the old account (so I can make sure it is done right, as their website is defective on something so fundamental), and they all said they could not, as it was my fault I did it wrong - one of them even kept saying "there is nothing wrong with the card", whatever that means. They all got pretty rude as the call progressed as well. Hilarious, but I could see where someone who put a few hundred on the temporary card might be upset, given the terms of the temporary card are NOT the advertised terms; you need your money on the permanent card to get the acceptable terms and fees; buyer beware about the temporary card terms! I am glad I only looked at it as an experiment.

by Abbhy Hosny

I wish there was no star option. They are horrible and i wouldn't wish them on my enemies. I have lost about $400 with them and im not the only one simply Google (Consumer Affairs AmexServe )There is also a Facebook thread just for their unacceptable and coneiving SOB. They will hing up on you and any hope of you getting Any money back from them is long shot literally 45 days. They are not accepted at many places and FEES. I went to my local bank and got a prepaid card from them. I suggest you do NOT get this card but go to your local bank or somewhere else where you can get serviced.SERVE IS TERRIBLE.

by Jason

Horrible. Use cash or get a real bank account. It's fine if you load cash on and only use in small amounts. If you need large amounts transferred or need a large amount of cash they make it so inconvenient that you just give up. Can't use this for a lot of things (including uber). If you need to call be prepared to be on hold for a half hour, explain your situation repeatedly, and then have them tell you there's nothing they can do.

by Jay

Wow, just reading some of the 1 star complaints I'm about to post and my situation is exactly as (5/12/2017). I've been an AMEX Serve card holder for at least 2 years. Any problem I've had was resolve quickly which is why I don't understand why now it's a problem. I had an unauthorize use in the amount of about $200.00 and went thru the red tape they send you thru for an answer. I have copied and paste their answer to me..."Recently you requested supporting information regarding transaction(s) on your American Express Prepaid Card. After further review, we have determined that there are no available documents to provide to you."IF THAT'S NOT ENOUGH TO CONVINCE YOU NOT TO USE AMEX SERVE, IT MUST BE NICE TO GIVE YOUR MONEY AWAY!!!

by KD
Best prepaid card

I've had my Amex Serve card for almost a year now, and I think it's the best prepaid card out there. There are free ATM's for withdrawals, free reloads/deposits and there's no purchase fee when I swipe it. I also like the fact that I get paid sooner with direct deposit. But the best part about this card for me is that I've already accumulated $100 in cash back rewards so far! So I'm making money just by making purchases. Also, moving money to and from my sub accounts is easy and there's no limit as to how many times I can do it. (Most banks allow up to only 6 transfers per month. ) I would give it 5 stars, but the fact that Amex isn't excepted at all merchants is a bummer and has caused some inconvenience.

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