- Your Full Service Reloadable Prepaid Account (American Express Serve is not a credit card.)
- No credit check. No minimum balance. No hidden fees.
- Get a $50 credit after receiving $250+ twice via Direct Deposit by 6/30/14.* Enroll in Direct Deposit to get your paycheck in your American Express Serve Account on payday.
- Get your Federal Tax refund fast- plus a $20 credit.*
- Enjoy American Express service and security 24/7. Shop online or off and get access to membership benefits like Purchase Protection.
- Add cash for free across 15,000 CVS/pharmacy® stores and participating 7-ELEVEN® locations.
- Free ATM withdrawals at over 23,000 ATMs nationwide.
- Use the Mobile App* to deposit checks on-the-go, manage your money, pay bills and more. *Terms, conditions and exclusions apply.
5.0 / 5.0 (113 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
Annual Fee:
See Terms*
Card Network:
Card Category:
Consumer (Stored Value)
Card Type:
Card for Bad Credit
Guaranteed Approval
Prepaid Debit Card
Reward Card
Credit Needed:
Bad Credit OK*
Grace Period:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Other Fees

Opening Minimum:
Application Fee:
ATM Fee:
Additional Fees
  See Terms & Conditions of Serve Card for other fees* -

Review by

American Express Serve card is a unique prepaid card that offers more than many of the other debit and prepaid cards on the market. The prepaid card can be used across the United States - anywhere that the card is accepted. It's a digital account that can be used to make purchases online, on a smartphone, in stores and even over the phone. The card can also be used at ATM machines to pull out cash.

The fee is waived for the first transaction of the month as well. There are very few fees on the account, making it affordable. There's no annual fee and no monthly fee - the only fees are based upon how often the card is used. Features of the card include 24/7 customer service, online account tools for managing details as well as an app that can make it easy to transfer money.

Money can also be sent or requested with a Facebook wall post. For those who sell items online, American Express will provide widgets that can be embedded onto a website. The money will then go directly to the prepaid account for making it easy to fund the account at all times. Other ways to load money onto the account include linking the card to a debit card, credit card or checking account or buying a MoneyPak at a participating retailer.


Most attractive:
- No Annual Fees
- No Credit Checks
- No Monthly Fees
- American Express benefits
Least attractive:
- No bonus rewards


- $50 when you use Direct Deposit.
Other Benefits:
- Purchase Protection
- Roadside Assistance
- Entertainment Access
- Global Assist Services
Online Access:
100% Guarantee Approval:

The information provided for American Express Serve® is believed to be accurate at the time of evaluation (Mar 31, 2016). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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