American Express Serve® Cash Back

Apply now
  • 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

Click here for Additional Details

(Will launch in a new browser window)

* 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
spicytomale
the best thing happened protection wise
by spicytomale
Helpful to 3 out of 3

not only can i pay employees or the yard guy or the cleaning lady easily transfering funds from my account to their card with their name on it but the app allows me to create a vault like savings and name it what i want and hide money from beggers or wanna be friends that always wanna verify you don't have funds like they think.  I  use this to fool them all the time.  Thanks serve

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 Negative Review
elcoreano
RUBBISH.
by elcoreano
Helpful to 1 out of 1

beware, this card has a monthly fee of $5.95. 6x12=72. things like this should be stated right off the bat, in BOLD, as a headline, whatever, like it says on creditkarma's website. cancelling is more difficult than it needs to be, with no way to do it online, only through the run-around phone call. even then, you still have to link (takes 5 days) a checking account so you can withdraw your money, or pay ANOTHER fee to get your money from an ATM. but because of the monthly fee, my account wasn't in whole dollars, which means i could get my money from an ATM, but i'd still have to connect the checking account to get out the change. just absurd how companies like this still nickle and dime the general public.

connecting the checking account didn't work the first time so i tried again and am waiting another five days for them to link.

when you call, hit "0" and keep hitting it until a person on another continent answers. otherwise, you'll be in an infuriating loop.


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 July 2016 through December 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.

My Saved Cards
Title
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.