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American Express Serve®

Approval Odds

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1.9 out of 5 stars
40 Reviews

From Cardholders in the last year

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Application Process

3 out of 5 stars

Customer Service

2 out of 5 stars

2 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee See Terms*
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR Not Applicable

Our Take

If you’re looking for a reliable prepaid card, the American Express Serve® is a solid option to consider.

What to Like

The American Express Serve® provides access to many of the same services as an American Express credit card, and comes with no credit check. You can also withdraw money without American Express fees at over 24,000 ATMs nationwide. Finally, the monthly fee is only $1 and is waived each month you Direct Deposit $500 or more.

Look Out For

The American Express Serve® is a prepaid card, not a credit card, and won’t be included on your credit reports. If you withdraw money from your card at a non-MoneyPass ATM, there is a $2.50 ATM fee in addition to any fees charged by the ATM’s operator. Cardholders also pay up to $3.95 each time they reload cash onto their cards at a retailer.


Most Helpful Positive Review

Aug 29, 2016
Anonymous Cardholder

Does everything a regular bank does without the exorbent fees. Love the ease in adding and transferring of funds. I have my pay direct deposited because I get it early. I then transfer bill money and savings and what's on yhe card is spending money

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Most Helpful Negative Review

Feb 27, 2016
DO NOT use this card!
Anonymous Cardholder

I reported fraud when card was stolen and they sent a new card and then closed my acct citing 15d in there rules! I after two years misused it??? No they knew they had to credit me and did not want too! I've waited three weeks to get my MY funds from them. They could easily send immediately but no I have to wait on paper check! It's criminal! I'm filing with AG and Consumer fraud with FTC. 

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These reviews were written by current and former cardholders in the last year.

Jan 17, 2017
A ripoff
Anonymous Cardholder

At this current moment they have $800 of mine held by preuthorization charges although the vendor has been paid.

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Dec 09, 2016
worst prepaid card out there
Anonymous Cardholder

The worst prepaid card to have!!! I had an unauthorized charge for 60.00 I submitted all paperwork to serve after over a month of calling their call center overseas they’re telling me it NEEDS more time for review n refuses to credit my account!!! And may I add that no one speaks clear English. I just cut my losses took my money elsewhere n cancelled closed account. Worst prepaid card out there Beware!!!

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Dec 04, 2016
Anonymous Cardholder

I spent sooooooo much money in late fees with my previous prepaid cards this card does not require a fee to load money I have likely saved thousands of dollars and tell everyone how awesome it is. Thanks SERVE! :)

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Nov 22, 2016
Never went through but fees will pay
Anonymous Cardholder

I tried to set up an account, tried to add card. Never went through and requested me to call. No!!!! I hate calls. Then I thought I can leave it be. No!! I accidentally found that I have to pay $1 every month for "serve"---what's is that?????

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Nov 19, 2016
American Express steals money from kids
Anonymous Cardholder

We received a $25 card for our daughter as a gift. She didn't use it right away, but when she tried, all the money was gone. Come to realize Amex steals their money back at a rate of $5.95 a month. This disclaimer is not on the package, so you have no way of knowing. It's not until opening the package that it states this on the back in relatively small print. American Express stole their money back. Super slimy!

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Nov 07, 2016
Failing business
Alrubiay Cardholder

Amazon charged me automatically, I dispute they apologize and put money back , two weeks later serve closed my account for violation 15D what a joke , so because I dispute and transaction I didn't authorized you close my account that indirect deposit money to every month ?! Wow what a business?! Filing complain with Illinois financial transactions 

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Oct 24, 2016
its just a card nothing great
Anonymous Cardholder

You will not get your pay 2 days early and alot of places will not take your card

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Oct 17, 2016
buyers beware
Anonymous Cardholder

Their loyalty is too the merchant, consistenly I've had double charges, and had to wait 8 days to get it back...

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American Express Serve®