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Review of the American Express® Serve® Prepaid Card

Updated Sep 09, 2021 | Published Feb 03, 20163 min read

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American Express® Serve®

Min Credit Level No credit check required
Annual Fee $6.95 Monthly Fee ($0 with $500 Direct Deposit)
Regular APR
At a glance

The Amex Serve doesn’t require a credit check to qualify. Load funds on the card, and you can make purchases like any credit or debit card.

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The American Express® Serve® Prepaid Card is a reloadable prepaid debit card with low fees. It’s accepted anywhere that takes American Express.

It comes with security and membership benefits provided by American Express, and can be reloaded in several different ways.

Keep in mind, this is not actually a credit card, it is a prepaid card! Prepaid cards do not help you build credit since they don’t extend a line or credit or report to the credit bureaus (learn more about Amex prepaid cards in particular here).

If you have bad credit and would like to improve it, a secured card may be a better option.

Apply Now

securely on the issuer's website

American Express® Serve®
Apply Now

securely on the issuer's website

  • Min. credit levelNo credit check required
  • Annual Fee$6.95 Monthly Fee ($0 with $500 Direct Deposit)
  • Purchase APR

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.

The Rewards

There are no rewards for spending money with this card, unless you opt for the Serve Cash Back version, which offers 1% cash back on all purchases.

The American Express Serve card has an annual fee of $6.95 Monthly Fee ($0 with $500 Direct Deposit).

The Benefits

Check your card’s Guide to Benefits to learn the exact benefits available to you, and how to access them.

Perks

  • 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.

Security

  • 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.

Shopping

  • Purchase Protection

    Provides coverage against theft and damage for up to 90 days for eligible items.

Travel

  • Global Assist Hotline®

    Assistance finding 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 include towing, changing a flat, or boosting a battery. Cardholders are responsible for third-party service provider fees.

The Costs & Fees

Card Fee Monthly Fee Cash Reloads Direct Deposit Card Replacement ATM Withdrawals
$0 online; $3.95 in-stores $1; $0 when you direct deposit $500 Up to $3.95 $0 $0 $0 at 24,000+ MoneyPass® ATMs
Withdraw Cash at Non-participating ATMs Online Bill Pay Mobile Check Deposit Sub-accounts Foreign Transactions
$2.50 + operator fees $0 $0 $0 2.7% of the transaction
Transfer Funds Between Cards Link a Bank Account Set Aside Money in Reserve
$0 $0 $0
The Serve card can be obtained for free online, or purchased for up to $3.95 in the following stores
Walmart® CVS/pharmacy® Walgreens® Family Dollar Fred’s Super Dollar®  Office Depot® Duane Reader®Sheetz®

When you purchase the card and fund it in-store, you will receive a temporary card with limited features. The funds loaded on temporary cards can only be used for purchases from retailers who accept American Express.

Simply go online to register your account and you will be sent a permanent version of the card with your name on it, which will have the full range of card features like the ability to add funds in more ways and pay bills online.

The Bottom Line

The American Express Serve card is a good low-cost prepaid reloadable card. With the benefits and accessibility of American Express, it is a good choice for someone looking for a cheap or free type of digital money. Cardholders get this, along with the many features, sub-accounts, and special offers.

This is a prepaid card, so it won’t hurt your credit, but it won’t help it either. This makes it a good option and easy to get for someone with a history of bad credit.

Do you have the American Express Serve Prepaid Card? If so, how do you like it? Leave your own review of the card here.

For some other options check out our picks for The Best Prepaid Debit Cards.

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Written by

Brendan Harkness

Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high-quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.

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The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered.

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