ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- 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
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.
See Your Approval Odds Before You Apply
Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:
- Credit scores and reports
- Credit monitoring
- Personalized recommendations
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.