American Express Serve® Reviews

Approval Odds

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2.7 out of 5 stars
37 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 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

American Express is a Credit Karma partner

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

Dec 04, 2013
So far, so good!
sarahnuss13 Cardholder

I've been using Serve for around a month now and I love it.  I use my bank card to automatically load money with absolutely no fees.  My husband and I use it as a special purchases type account, kind of like the envelope system but without cash.  Haven't had any problems so far and intend on keeping this for awhile. 

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Most Helpful Negative Review

Jul 11, 2013
This is a bad pre paid card ever
Anonymous Cardholder

Don't use this card they don't help you with anything they don't care if something  happens to your money I give you a warning don't try this one or you will see for your self

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

Jul 12, 2017
Anonymous Cardholder

I was issued a refund from Walmart on 7/5/17.  I called American Express Serve the next day to find out when the refund would be returned to my card and was told 72 hours.  After 72 hours, I called back and was told the refund would be put back on my card in seven days.  I called this morning and was given two different answers (I had to call back because the call was 'disconnected.').  The first answer was I will receive my refund based on the time the refund was processed at Walmart.  Then I was told that I would receive my refund on the 15th (7/15/17) after it was processed, which was on 7/8/17.  Absolutely NOTHING about a consumer will receive a refund back to his/her card seven days after it has been processed by American Express Serve.  No one should have to call four times to have an issue resolved nor should a consumer receive four diffierent answers.  I thought AT&T had horrible customer service, but American Express Serve had AT&T beat by 10 miles!  I will NEVER EVER recommend American Express Serve to anyone nor will I use the card again!

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Jun 22, 2017
It the best prepaid card on the market.
Anonymous Cardholder

There is no fee to the cardholder unless the cardholder is traveling out of states. I strongly suggest that individual desiring to use a prepaid card apply for one on line. It will be mailed to you free of charge..

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Jun 20, 2017
No Fees to load accepted most places
Anonymous Cardholder

Any 7-11 will load Without fees and there everywhere. 

Easy form for direct deposit online.

Have had this card for 4 years without Any issues

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Jun 17, 2017
Not sure about the bad reviews...
Anonymous Cardholder

Not sure about the bad reviews, though the collective grammar, or lack there of, speaks volumes as to why they have difficulties. This card is awesome. You can reload it fee free from your checking account, or in person & it's accepted everywhere. Additionally, it doesn't have DEBIT stamped on it anywhere.

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Jun 17, 2017
Not sure about the bad reviews...
Anonymous Cardholder

Not sure about the bad reviews, though the collective grammar, or lack their of, speaks volumes as to why they have difficulties. This card is awesome. You can reload it fee free from your checking account, or in person & it's accepted everywhere. Additionally, it doesn't have DEBIT stamped on it anywhere.

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Jun 08, 2017
poor overall service
Anonymous Cardholder

Off shore customer suppor with little or no comprehension or common sense. Fraudulent transactions are apparently higher then with most cards and they offer little more then rhetoric when you try to communicate,  reading from a script. Can take weeks to resolve fraud transactions.Look elsewhere

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May 26, 2017
Anonymous Cardholder

Wow, just reading some of the 1 star complaints, I've been an AMEX Serve card holder for at least 2 years. Any problem I've had was resolve quickly which is why I don't understand why now it's a problem. I had an unauthorize use in the amount of about $200.00 and went thru the red tape they send you thru for an answer. I have copied and paste their answer to me...

"Recently you requested supporting information regarding transaction(s) on your American Express Prepaid Card. After further review, we have determined that there are no available documents to provide to you."


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May 11, 2017
Fraud protection is crap with amex
Anonymous Cardholder

If you have fraudulent charges this card companies customer service and fallow thru is terrible I'm cutting this card up when resolved

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Apr 13, 2017
Great alternative to a traditional bank.
eightlegeddj Cardholder

I've been using this for years now instead of a traditional bank account. I went through a tough time financially and this was my only option. I have recovered but have no desire now to open a regular bank account. It's the best alternative over a prepaid debit card. I've got the active "checking" portion of my account and a reserve "savings" portion.  I just used online bill pay to pay all my bills.  There are literally no fees. No overdraft fees, no account maintenance. The only fee you might have is a charge for using an ATM. Everything about this has greatly improved since I opened my account, customer service, ATM availability, etc. AMEX has realized they are on to something and they have stepped up.  The only down side is I wish there were more atms to use for free. 

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Apr 10, 2017
Anonymous Cardholder

  You dont get gauged.  I put my money on for free, I get rewards, the customer service is amazing, and compared to other cards I cant believe how easy this card is to own. 

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American Express Serve®