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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%

Strongly not recommended

6 users recommend

1 user is unsure

37 users don't recommend

Browse Reviews: 6 Recommendations | 37 Complaints

Highlights
Community Rating	Strongly not recommended
Signature Purchase Transaction Fee	$0
PIN Purchase Transaction Fee	$0
Monthly Fee	Up to $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
Close Account Fee	$0
Card Replacement Fee	$5
ATM Balance Inquiry	$0
Free In-Network ATM Withdrawal?	Yes
No Signature Purchase Transaction Fee?	Yes
No PIN Purchase Transaction Fee?	Yes
Signature Purchase Transaction Fee	$0
PIN Purchase Transaction Fee	$0
No Monthly Service Fee with Direct Deposit?	Yes
Activation Fee	$0 - $3.95
Card Reload Fee	$0 - $3.95

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.

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