American Express Serve® Cash Back

Approval Odds

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4.0 out of 5 stars
4 Reviews

From Cardholders in the last year

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Application Process

5 out of 5 stars

Customer Service

3.5 out of 5 stars

4 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 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.


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

Mar 22, 2017
Anonymous Cardholder

this is the only card you'll ever need. it can do everything. above and beyond all and I mean all other cards.

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Dec 27, 2016
elcoreano Cardholder

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.

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Jun 07, 2016
Anonymous Cardholder

i'd recommend it to anyone owning a business , its easy to pay allowances, and hide money from the wife all at once

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Jun 07, 2016
the best thing happened protection wise
spicytomale Cardholder

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

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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.

† 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 and typical low score to the 5th 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 2014 through November 2014. 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.

American Express Serve® Cash Back