American Express Serve

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in Prepaid Debit Cards from American Express National Bank

SuperMoney Net Recommendation Score -77

Strongly not recommended

6 users recommend

1 user is unsure

50 users don't recommend

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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	57

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 Extensive free ATM network. No inactivity fee.	Charges a monthly maintenance fee of up to $6.95. You may have to pay a fee of up to $3.95 every time you load the card 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.

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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 Serve

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.