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:  
 87 reviews
by Sonja
Terrible Card and Customer Service

When I first got this card it was wonderful, I even had my 2 daughters get this card as well as a friend and that was about 2 yrs ago. Since then things have gone down hill starting with missing money and HORRIBLE customer service, they have even hung up on me numerous times. I DON'T RECOMMEND THIS CARD TO ANYONE..I have to give a rating it is actually zero stars but I can't submit review without at least one star.

American Express SERVE

Research the number of fraudulent charges they have declined to refund to their clients. Consumer Affairs, and many other sites will tell you one story after another. They do not protect their clients and they are a disgrace. Story after story it is the same thing. Non speaking agents, they all pass the buck, you must WRITE a letter and they decline EVERYTHING.It is all true and this needs to be brought to light. I also understand that SERVE has not proved to be a money maker for AMEX, so is this their way of staying afloat? Declining refunds to people who have their money stolen? i am out 233.00 from a week in Dec 2018 in which fraudulent charges were made ..2 at Exxon Mobil and 2 at WAWA in the Miami area which I have not been to. IMost importantly I STILL have the card in my posession which FTC mandates they must refund me, but here it is APRIL and they still not have complied.

by Tenisha

I really wish they had an option to put no stars. Besides the fact alot of places not accepting AMEX ive had the card for some time now. I lost my wallet and upon getting home and cancelling my cards I realized my card had been used. I immediately called customer service, i filed a dispute i received a new card in a day or so. I was told to wait 10 days to hear back, i waited. After 10 days i got an email stating my dispute was declined, i wrote to the P.O box on the email and never got a response. I recalled the bank and the only option for me was to filed another dispute which i did, and again i had to wait another 10 days. After exactly 10 days i received an email stating my dispute was declined yet again. I called the bank and they tell me only information they can see is the same thing i see in the email. This cant be real, a bank that has limited access to accounts. I spoke with a Supervisor and that didnt help, so yet again i filed another dispute for the 3rd time, I've written to the P.O box and never got a response, I'm really trying to be patient but we're talking about a wopping 800+ dollars that someone swiped my card for and im getting treated like i did something wrong. Im going to do everything that can be done to get my money back and im going to do away with this card because you have no Security with this company. I cant afford to take no losses. If anybody know anything to help my situation please dont hesitate to reach out. I'll keep you folks updated on how this all plays out.

by Mistee
Plz help me!

I'm writing in hopes of getting someone's attention from American Express customer support. I have a serve card in which has an American Express logo on it so im hoping to get a response from AE customer support team. I recently was a victim of fraud; my American Express serve card was hacked ..idk how or why. I just know as aoon as i seen the email saying i just made a transfer to Andrew so in so.. i immediately called the customer service # for my serve card. I was told they would send out a new card (to my home) which would verify that i was the cardholder and all of this would get resolved. As aoon as i got the new card 6 daya later (i still dont understand why they didnt overnight it as the rep had mentioned they did have the option to do) i called to let them know i received the card and wanted to now know when id be recieving the $426 back that i did not authorize to be sent to anybody (it was my lightbill money). They proceeded to tell me it was under investigation and I'd here back. Throughout the "investigation i called several times, because uve never had something like thìs happen and been worried sick. I kept getting reàssured once they found it was not me who authorized the transaction i would get my money back. I recently received the email saying they found that this was not a fraudulent request and the transaction was authorized.. ARE U kidding me. Im beside myself and do not know what to do. My lights recently shut off and now im just out over $400 ... i dont know where to turn except DIRECTLY to American Exspress in hopes of finding help. I have 3 teenage girls and cannot go without utilities. I just still cannot believe all this it has to be a bad dream. Plz someone help me

by Sidney R Jones

They closed my account without notice and I still have money on my card. Ive looked into it and they have done this before!! Use any other prepaid debit card before you use this or Bluebird because they are linked. I have no cash back or anything like that on my card so Im totally baffled as to why they did this and customer service tells me NOTHING!!

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