SuperMoney
  American Express Serve

American Express Serve

in Prepaid Cards from American Express National Bank

Claimed

American Express Serve

Claimed

in Prepaid Cards from American Express National Bank

SuperMoney Net Recommendation Score -70

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -70, equating to 1.6 on a 5 point rating scale.

-70

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

6 users recommend
1 user is unsure
37 users don't recommend
Cast your vote

Would you recommend American Express Serve to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating Strongly not recommended
Signature Purchase Transaction Fee $0
PIN Purchase Transaction Fee $0
Monthly Fee $6.95
Card Reload Fee $0 - $3.95
Number of Reviews 44

American Express Serve Review

The American Express Serve is designed for consumers who want the convenience of paying with plastic but don’t want (or don’t qualify) for a regular credit card. Prepaid cards only allow you to spend money already in your account. So you can avoid interest payments, bounced checks, or overdraft fees.

American Express Serve does not require a credit check, so approval is guaranteed. However, it will not help you build credit and some online merchants don't accept prepaid cards.

American Express Serve Pros & Cons
The Good The Bad
  • Free in-network ATM withdrawal
  • There is no fee for loading your card
  • Extensive free ATM network.
  • No inactivity fee.
  • Charges a monthly maintenance fee of up to $6.95.
  • More limited merchant acceptance for Amex as opposed to a Visa or Mastercard.
  • Unlike some other prepaid cards, the connected savings (called Reserve) account does not earn interest.
American Express Serve FAQ

Who issues American Express Serve?

American Express Serve is issued by American Express National Bank, which is based in New York, NY and was founded in 1850.

What fees does American Express Serve charge?

American Express Serve charges a monthly fee of up to $6.95.

American Express Serve Prepaid Card Fees
Description
ATM Balance Inquiry $0
Activation Fee $0 - $3.95
Card Replacement Fee $5
Close Account Fee $0
Free In-Network ATM Withdrawal?
No Monthly Service Fee with Direct Deposit?
No PIN Purchase Transaction Fee?
No Signature Purchase Transaction Fee?
Card Reload Fee $0 - $3.95
Signature Purchase Transaction Fee $0
PIN Purchase Transaction Fee $0

How Much Does American Express Serve Cost?

There is no activation fee.

Notice this card charges a monthly maintenance fee of up to $6.95.

However, you can avoid the monthly maintenance fee if you set up a direct deposit to your prepaid card.

There is a reload fee of up to $3.95 fee every time you reload the card.

Does American Express Serve charge an activation fee?

American Express Serve does not charge an activation fee.

What is the daily ATM withdrawal for American Express Serve?

American Express Serve has a daily ATM withdrawal limit of $750.

What is daily direct deposit limit for American Express Serve?

American Express Serve sets a daily direct deposit limit of $2,500.

What is the Card Replacement Fee for American Express Serve?

You will need to pay $5, if you need a card replacement.

What is the Maximum Balance for American Express Serve?

The maximum balance you can have on American Express Serve is $100,000. If you are often close to the maximum balance, it may be time to put your money to work and deposit it in an account that yields interest, such as a savings account, a CD, or a money market account.

How to apply for American Express Serve

  • Visit the American Express National Bank website.
  • Fill in the application form. Some prepaid cards require you to provide some personal information, such as your full name, address, date of birth, email, and SSN.
  • Check the information is accurate and submit your application.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From American Express National Bank

We began as a freight forwarding company in 1850, earning a reputation as a company people could trust while transporting some of their most valuable possessions. In the late 19th century and early 20th century, we introduced new financial products and travel services that helped support our customers’ everyday lives. In the 1950s, we introduced a charge card, offering customers a new and convenient way to pay. Ever since, we’ve innovated our card products, our services and our other offerings. Today, American Express is the largest global payments network and we continue to pride ourselves on being forward-looking and customer-focused. With each new development, one thing has remained constant: our commitment to our customers and our special brand of service.

Serve American Express Prepaid Debit Accounts. Flexibility that works for you. Serve helps you go further, giving you options to choose the benefits that are most important to you.

Feature Breakdown

Free Customer Service
Daily ATM Withdrawal Limit $750
ATM Fee: In-Network $0
Additional Card Fee Amount $0
ATM Fee: Out-of-Network $2.50
Monthly Fee $6.95
Credit Score Range 300 - 850
Rewards Type No Rewards
Activation Fee $0 - $3.95
Free In-Network ATM Withdrawal
No Monthly Service Fee with Direct Deposit
No PIN Purchase Transaction Fee
No Signature Purchase Transaction Fee
Card Reload Fee $0 - $3.95
Signature Purchase Transaction Fee $0
PIN Purchase Transaction Fee $0

American Express Serve Community Reviews

 

Would you recommend American Express Serve to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -70, equating to 1.6 on a 5 point rating scale.

-70

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Prepaid Cards

American Express National Bank Prepaid Cards

Loading...