American Express Serve® Cash Back

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  • Your Full Service Prepaid Debit Account with 1% Cash Back on purchases. (American Express Serve is not a credit card.)
  • No credit check. No minimum balance. No hidden fees.
  • Earn 1% Cash Back added to your Account when you spend, for use on future purchases.
  • FREE Direct Deposit gets you access to your money up to 2 days faster.
  • FREE ATM withdrawals at over 24,000 ATMs nationwide.
  • Enjoy American Express service and security 24/7. Shop online and off and enjoy Card Membership benefits like Purchase Protection*.
  • *Underwritten by AMEX Assurance Company. Subject to additional terms, conditions, and exclusions.
Annual Fee:
See Terms*
Purchase Intro APR:
N/A
Purchase Regular APR:
N/A
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
N/A

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate N/A
Cash Advance Fee N/A
Late Fee N/A
Penalty APR N/A
Balance Transfer Fee N/A
Foreign Transaction Fee See Terms*
Return Payment Fee See Terms*

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Shoes911TC
by Shoes911TC
Helpful to 5 out of 5

I have used this card for some time, and I love it.  The app for my phone is great.  I use it to hide money from my ex's bad debt collections.  Easy to load with more funds and accepted many places.  I have created sub accounts for my kids and a Reserve account for my savings.  Get this card!!!

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
Shoes911TC
by Shoes911TC
Helpful to 5 out of 5

I have used this card for some time, and I love it.  The app for my phone is great.  I use it to hide money from my ex's bad debt collections.  Easy to load with more funds and accepted many places.  I have created sub accounts for my kids and a Reserve account for my savings.  Get this card!!!


Our Take

American Express Serve® Cash Back adds cash back to the prepaid debit card formula.

What to Like

With the American Express Serve® Cash Back, cardholders get 1% cash back on purchases. There’s no credit check or minimum balance, and cardholders get access to many of the same services as with an American Express credit card.

Look Out For

In return for the cash back, cardholders pay a $5.95 monthly fee (as opposed to just $1 for the normal American Express Serve®). Cardholders also pay up to $3.95 each time they reload cash onto their cards at a retailer, though you can use Direct Deposit to reload without a fee. Keep in mind that this is a prepaid debit card, not a credit card, and it won’t be included on your credit reports.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2016 through November 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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